Fannin Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Return on equity: 17.24 percentage points lower than in Q1 2026, at 13.53%. Within Texas, Fannin Bank is 277th of 345 on return on assets, 0.88% as of Q2 2026. The median for banks in the $100M-1B asset tier is 1.26% on return on assets. Fannin Bank sits 0.38 points lower, at 0.88% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.15% |
| Tier 1 risk-based capital ratio | 16.15% |
| Total risk-based capital ratio | 17.40% |
| Tier 1 leverage ratio | 8.60% |
| Equity capital to assets | 6.56% |
| Tangible equity to tangible assets | 6.56% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.04% |
| Non-performing assets ratio | 0.54% |
| Net charge-off ratio | 0.06% |
| Texas ratio | 7.26% |
| Allowance for credit losses to loans | 1.71% |
| Reserve coverage of non-performing loans | 164.77% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.88% |
| Return on equity | 13.53% |
| Net interest margin | 3.62% |
| Efficiency ratio | 69.39% |
| Yield on earning assets | 5.56% |
| Cost of funds | 1.56% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 56.18% |
| Core deposits to total deposits | 89.92% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 92.49% |
| Securities to assets | 39.08% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.65% | 13.65% | 14.90% | 7.92% | 0.27% |
| Q4 2023 | 13.74% | 13.74% | 14.99% | 7.96% | 0.32% |
| Q1 2024 | 13.91% | 13.91% | 15.16% | 8.05% | 0.30% |
| Q2 2024 | 14.34% | 14.34% | 15.60% | 8.26% | 0.99% |
| Q3 2024 | 14.65% | 14.65% | 15.90% | 8.38% | 0.88% |
| Q4 2024 | 14.95% | 14.95% | 16.21% | 8.53% | 0.73% |
| Q1 2025 | 15.26% | 15.26% | 16.52% | 8.52% | 0.87% |
| Q2 2025 | 15.30% | 15.30% | 16.56% | 8.37% | 0.98% |
| Q3 2025 | 15.65% | 15.65% | 16.90% | 8.50% | 1.03% |
| Q4 2025 | 16.45% | 16.45% | 17.70% | 8.64% | 0.95% |
| Q1 2026 | 16.63% | 16.63% | 17.88% | 8.90% | 1.99% |
| Q2 2026 | 16.15% | 16.15% | 17.40% | 8.60% | 0.88% |
Fannin Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Fannin Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Fannin Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5589) · FFIEC NIC profile (RSSD 377663)