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.
Reserve coverage of non-performing loans climbed 103.31 percentage points in Q2 2026, from 150.48% to 253.79%. It was the largest change from Q1 2026 among the key lines here. First Bank ranks 64th of 345 Texas banks on return on assets, in the upper half at 2.04% (Q2 2026). Against a median of 1.26% for banks in the $100M-1B asset tier, First Bank reported 2.04% on return on assets in Q2 2026, 0.78 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.40% |
| Tier 1 risk-based capital ratio | 13.40% |
| Total risk-based capital ratio | 14.66% |
| Tier 1 leverage ratio | 13.87% |
| Equity capital to assets | 13.72% |
| Tangible equity to tangible assets | 13.72% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.80% |
| Non-performing assets ratio | 0.91% |
| Net charge-off ratio | 0.05% |
| Texas ratio | 5.94% |
| Allowance for credit losses to loans | 2.03% |
| Reserve coverage of non-performing loans | 253.79% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.04% |
| Return on equity | 14.80% |
| Net interest margin | 4.95% |
| Efficiency ratio | 67.29% |
| Yield on earning assets | 6.43% |
| Cost of funds | 1.36% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.46% |
| Core deposits to total deposits | 91.30% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.77% |
| Securities to assets | 0.97% |
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 | 12.95% | 12.95% | 14.21% | 12.46% | 1.98% |
| Q4 2023 | 13.12% | 13.12% | 14.38% | 12.90% | 1.98% |
| Q1 2024 | 13.65% | 13.65% | 14.91% | 13.08% | 1.37% |
| Q2 2024 | 13.42% | 13.42% | 14.68% | 13.39% | 1.96% |
| Q3 2024 | 13.13% | 13.13% | 14.39% | 13.43% | 2.01% |
| Q4 2024 | 13.08% | 13.08% | 14.33% | 13.80% | 2.21% |
| Q1 2025 | 13.04% | 13.04% | 14.30% | 13.64% | 1.55% |
| Q2 2025 | 12.86% | 12.86% | 14.11% | 13.59% | 2.07% |
| Q3 2025 | 13.23% | 13.23% | 14.49% | 13.42% | 2.04% |
| Q4 2025 | 13.63% | 13.63% | 14.89% | 13.99% | 1.14% |
| Q1 2026 | 13.71% | 13.71% | 14.96% | 14.05% | 1.76% |
| Q2 2026 | 13.40% | 13.40% | 14.66% | 13.87% | 2.04% |
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 3121) · FFIEC NIC profile (RSSD 239659)