First 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 Loan-to-deposit ratio: 3.77 percentage points higher than in Q1 2026, at 69.03%. First Bank ranks 16th of 79 Florida banks on return on assets, in the upper half at 1.50% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.26% on return on assets. First Bank sits 0.24 points higher, at 1.50% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.82% |
| Tier 1 risk-based capital ratio | 14.82% |
| Total risk-based capital ratio | 16.07% |
| Tier 1 leverage ratio | 9.70% |
| Equity capital to assets | 9.56% |
| Tangible equity to tangible assets | 9.56% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.31% |
| Non-performing assets ratio | 0.19% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.79% |
| Allowance for credit losses to loans | 1.74% |
| Reserve coverage of non-performing loans | 565.89% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.50% |
| Return on equity | 16.07% |
| Net interest margin | 4.33% |
| Efficiency ratio | 55.80% |
| Yield on earning assets | 5.39% |
| Cost of funds | 1.12% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 69.03% |
| Core deposits to total deposits | 98.67% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.73% |
| Securities to assets | 26.48% |
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 | 14.34% | 14.34% | 15.59% | 8.73% | 1.11% |
| Q4 2023 | 14.12% | 14.12% | 15.38% | 8.98% | 1.07% |
| Q1 2024 | 14.44% | 14.44% | 15.70% | 9.09% | 1.08% |
| Q2 2024 | 14.47% | 14.47% | 15.73% | 9.16% | 1.28% |
| Q3 2024 | 14.86% | 14.86% | 16.11% | 9.17% | 1.38% |
| Q4 2024 | 14.55% | 14.55% | 15.81% | 9.46% | 1.29% |
| Q1 2025 | 14.70% | 14.70% | 15.96% | 9.20% | 1.29% |
| Q2 2025 | 14.25% | 14.25% | 15.51% | 9.12% | 1.51% |
| Q3 2025 | 14.75% | 14.75% | 16.01% | 9.47% | 1.53% |
| Q4 2025 | 14.79% | 14.79% | 16.05% | 9.64% | 1.50% |
| Q1 2026 | 14.74% | 14.74% | 16.00% | 9.43% | 1.44% |
| Q2 2026 | 14.82% | 14.82% | 16.07% | 9.70% | 1.50% |
First Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First 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 Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9620) · FFIEC NIC profile (RSSD 131436)