First Bank (Burkburnett, TX)
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Data as of · sourced from FFIEC call reports. How we update
First Bank is an FDIC-insured commercial bank headquartered in Burkburnett, TX, established in 1907 (FDIC certificate 3121), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $703.6M, up 3.9% from Q2 2025, the 123rd largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 13.40% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 3121
- Headquarters
- Burkburnett, TX
- Established
- 1907
- Total assets, Q2 2026
- $703.6M
- Assets vs Q2 2025
- +3.9%
- CET1 ratio, Q2 2026
- 13.40%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 111907788
- Holding company
- FIRST BURKBURNETT BANCSHARES, INC.
- Asset rank in state
- 123rd of 346 in Texas
First Bank earns an unusually wide margin on its lending. It reported $704 million in assets at June 30, 2026, up 3.9% from a year earlier. It keeps 4.95 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also earns about $2.04 a year on every $100 of assets, higher than about three-quarters of banks its size (median $1.28).
The non-owner-occupied commercial real estate book ($95 million) is worsening: 5.40% of it is past due or on nonaccrual, up from 1.74% a year earlier. Loans and deposits moved in opposite directions: over the year loans fell 1.8% and deposits rose 7.5%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.1 times its capital, higher than about three-quarters of banks its size (median 1.2 times).
As of June 30, 2026, First Bank reported a CET1 capital ratio of 13.40%, a return on assets of 2.04%, a nonperforming-loan ratio of 0.80% and a Texas ratio of 5.94%. The figures come from its call report filed with the FFIEC.
First Bank ranks as the 123rd largest of the 346 banks based in Texas, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 2.1% to $703.6M, loans rose 3.7% and deposits rose 2.0%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 30.5% of total loans, followed by construction and land development loans at 21.0%. The FDIC Summary of Deposits lists 7 offices for it, in 5 cities in TX; its Wichita Falls 3 offices book 42% of its branch deposits. On its Q2 2026 call report, First Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 300 E 3rd St, Burkburnett, TX 76354
- County
- Wichita
- Metro Area
- Wichita Falls, TX
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1907
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 152
- Domestic deposits
- $603.4M
- Allowance for credit losses
- $11.8M
- Net charge-offs (YTD)
- $142K
- Average total assets
- $696.4M
- Average total loans
- $569.5M
- Average interest-bearing deposits
- $565.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3121
- Fed RSSD
- 239659
- Website
- www.firstbankweb.com →
- Parent Holding Company
- FIRST BURKBURNETT BANCSHARES, INC. (RSSD 1109544)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, First Bank's total assets ranged from $629.3M (Q1 2024) to $703.6M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$703.6M total assets against $677.4M; $607.0M total liabilities against $585.4M.
$570.2M net loans and leases against $581.5M; $603.4M total deposits against $561.6M.
$6.8M securities against $9.3M; $102.4M cash and balances due against $59.5M.
$10.8M total interest income against $10.7M; $2.5M total interest expense against $2.7M.
$8.3M net interest income against $7.9M.
$2.8M total noninterest income against $4.1M; $7.5M total noninterest expense against $8.1M.
$100K provision for credit losses against $514K.
$3.5M net income against $3.4M.
2.04% return on assets against 2.07%; 4.95% net interest margin against 4.92%.
13.40% CET1 capital ratio against 12.86%; 13.87% tier 1 leverage ratio against 13.59%.
Inside the full First Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
First Bank rankings
Its closest position to the top of a national ranking is 448 of 3,611, for ROA; its furthest is 2,536 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.14% (Q4 2025) to 2.21% (Q4 2024) and its net interest margin ran from 4.68% (Q1 2026) to 5.13% (Q4 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.40% | 2.04% | 0.80% | 5.94% | 4.95% |
| Q1 2026 | 13.71% | 1.76% | 1.40% | 8.19% | 4.68% |
| Q4 2025 | 13.63% | 1.14% | 1.00% | 6.20% | 4.89% |
| Q3 2025 | 13.23% | 2.04% | 0.84% | 5.67% | 5.01% |
| Q2 2025 | 12.86% | 2.07% | 1.01% | 6.78% | 4.92% |
| Q1 2025 | 13.04% | 1.55% | 1.19% | 7.20% | 4.81% |
| Q4 2024 | 13.08% | 2.21% | 1.21% | 7.54% | 5.13% |
| Q3 2024 | 13.13% | 2.01% | 1.46% | 8.63% | 4.99% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Wichita Falls Branch | Wichita Falls , TX | 76309 | $174.7M |
| First Bank (main office) | Burkburnett , TX | 76354 | $162.8M |
| Iowa Park Branch | Iowa Park , TX | 76367 | $89.9M |
| Midwestern Branch | Wichita Falls , TX | 76308 | $62.9M |
| Aledo Branch | Aledo , TX | 76008 | $51.7M |
| Frisco Branch | Frisco , TX | 75033 | $45.7M |
| Wichita Falls - Downtown Branch | Wichita Falls , TX | 76301 | $15.7M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- July 15, 1998, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): First National Bank in Burkburnett
- Period: Most recent institution action July 15, 1998. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 165 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 793 applications, 620 loans originated, $241.5M originated, across 17 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $85K approved, $85K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1995 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First Bank
What are First Bank's total assets?
As of the Q2 2026 filing, First Bank reported total assets of $703.6 million in its FFIEC call report.
Where is First Bank headquartered?
It is headquartered in Burkburnett, TX, United States.
When was First Bank founded?
It was established in 1907, per the FDIC institution directory.
Is First Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3121). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Bank?
First Bank's primary federal regulator is the FDIC.
What is First Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.40% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Bank operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Bank's Texas Ratio?
Its Texas Ratio is 5.94% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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