First American 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 Reserve coverage of non-performing loans: 55.52 percentage points higher than in Q1 2026, at 197.39%. First American Bank ranks 50th of 169 Oklahoma banks on return on assets, in the upper half at 1.85% (Q2 2026). First American Bank's return on assets of 1.85% is well above the 0.98% median for banks in the < $100M asset tier, a gap of 0.87 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.06% |
| Equity capital to assets | 13.52% |
| Tangible equity to tangible assets | 13.52% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.06% |
| Non-performing assets ratio | 0.73% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 4.89% |
| Allowance for credit losses to loans | 2.10% |
| Reserve coverage of non-performing loans | 197.39% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.85% |
| Return on equity | 14.25% |
| Net interest margin | 5.18% |
| Efficiency ratio | 64.85% |
| Yield on earning assets | 6.26% |
| Cost of funds | 1.19% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.38% |
| Core deposits to total deposits | 88.41% |
| Brokered deposits to total deposits | 5.08% |
| Deposits to assets | 86.06% |
| Securities to assets | 17.07% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 12.36% | 1.82% | 4.93% | 1.42% | -0.17% |
| Q4 2023 | 12.53% | 1.23% | 4.97% | 1.42% | 0.46% |
| Q1 2024 | 12.03% | 2.04% | 5.11% | 0.66% | 0.40% |
| Q2 2024 | 12.50% | 1.89% | 5.19% | 0.71% | 0.11% |
| Q3 2024 | 12.82% | 1.38% | 5.31% | 0.51% | 0.08% |
| Q4 2024 | 13.06% | 1.25% | 5.51% | 0.17% | 0.48% |
| Q1 2025 | 12.47% | 1.21% | 4.75% | 1.96% | -0.02% |
| Q2 2025 | 12.31% | 1.53% | 4.99% | 1.57% | -0.02% |
| Q3 2025 | 12.61% | 1.21% | 4.91% | 1.62% | 0.11% |
| Q4 2025 | 12.95% | 1.41% | 4.99% | 1.42% | 0.04% |
| Q1 2026 | 12.66% | 1.24% | 4.67% | 1.42% | -0.18% |
| Q2 2026 | 13.06% | 1.85% | 5.18% | 1.06% | 0.00% |
First American Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First American 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 First American Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15762) · FFIEC NIC profile (RSSD 321255)