First American Bank and Trust: 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.
Reserve coverage of non-performing loans dropped 20.32 percentage points in Q2 2026, from 133.08% to 112.76%. It was the largest change from Q1 2026 among the key lines here. Within Louisiana, First American Bank and Trust is 51st of 103 on return on assets, 1.25% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets; First American Bank and Trust reported 1.25% for Q2 2026, nearly level with it.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 24.75% |
| Tier 1 risk-based capital ratio | 24.75% |
| Total risk-based capital ratio | 26.00% |
| Tier 1 leverage ratio | 13.81% |
| Equity capital to assets | 11.73% |
| Tangible equity to tangible assets | 11.73% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.29% |
| Non-performing assets ratio | 0.79% |
| Net charge-off ratio | 0.64% |
| Texas ratio | 6.29% |
| Allowance for credit losses to loans | 1.45% |
| Reserve coverage of non-performing loans | 112.76% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.25% |
| Return on equity | 10.91% |
| Net interest margin | 3.84% |
| Efficiency ratio | 62.75% |
| Yield on earning assets | 4.73% |
| Cost of funds | 1.01% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 70.56% |
| Core deposits to total deposits | 93.20% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.55% |
| Securities to assets | 25.30% |
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 | 21.15% | 21.15% | 22.41% | 11.72% | 0.85% |
| Q4 2023 | 21.46% | 21.46% | 22.71% | 11.84% | 0.70% |
| Q1 2024 | 22.47% | 22.47% | 23.73% | 11.80% | 0.79% |
| Q2 2024 | 22.74% | 22.74% | 23.99% | 12.75% | 0.72% |
| Q3 2024 | 22.72% | 22.72% | 23.97% | 12.95% | 0.79% |
| Q4 2024 | 23.05% | 23.05% | 24.30% | 13.04% | 0.98% |
| Q1 2025 | 23.72% | 23.72% | 24.97% | 12.98% | 1.01% |
| Q2 2025 | 23.85% | 23.85% | 25.11% | 13.37% | 1.10% |
| Q3 2025 | 24.53% | 24.53% | 25.79% | 13.83% | 1.21% |
| Q4 2025 | 25.31% | 25.31% | 26.57% | 14.06% | 1.22% |
| Q1 2026 | 24.82% | 24.82% | 26.07% | 13.59% | 0.94% |
| Q2 2026 | 24.75% | 24.75% | 26.00% | 13.81% | 1.25% |
First American Bank and Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First American Bank and Trust, 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 and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8149) · FFIEC NIC profile (RSSD 101037)