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First Bank: Texas Ratio

0.99% Ranks #2,683 of 3,643 U.S. banks · 26th percentile

Data as of · sourced from FFIEC call reports. How we update

First Bank reported a Texas ratio of 0.99% as of Q2 2026, ranking #2,683 of 3,643 U.S. banks (26th percentile). That is up 0.54 percentage points from 0.44% a year earlier, and below the 2.77% median of the 1,875 Small Community Banks ($100M–$500M in assets). The Texas Ratio is the most-cited bank failure indicator. A ratio above 100% historically correlates with elevated failure risk.

12-Quarter Trend

Q3 2023 Q2 2026 (latest)
Q2 2026 0.99%
Q1 2026 0.39%
Q4 2025 0.58%
Q3 2025 0.49%
Q2 2025 0.44%
Q1 2025 0.34%
Q4 2024 0.09%
Q3 2024 0.03%
Q2 2024 0.09%
Q1 2024 0.10%
Q4 2023 0.06%
Q3 2023 0.00%

National Context

Latest value 0.99%
National rank#2,683 of 3,643
Percentile 26th
12-quarter low0.00%
12-quarter high0.99%
Full rankingView leaderboard

What is the Texas Ratio?

The Texas Ratio compares a bank's problem assets (nonaccrual and 90-day past due loans, net of government guarantees, plus other real estate owned) to its loss-absorbing capacity (tangible equity plus loan loss reserves). Coined during the 1980s Texas banking crisis, it remains the single most widely cited bank failure indicator.

Under 25%: healthy. 25-50%: above most banks (the median bank is near 3%) but below the 50% level at which problem assets reach half of the capital cushion. 50-100%: watch, problem assets exceed half of loss-absorbing capacity. Over 100%: elevated failure risk; the bank's bad assets exceed its capacity to absorb them. The ratio should be read against trend. A stable 70% is different from a quickly rising 60%.

Full definition & formula →

Frequently asked questions

What is First Bank's Texas Ratio?

First Bank's Texas Ratio was 0.99% as of Q2 2026, ranking #2683 of 3,643 U.S. banks.

What is the Texas Ratio?

The Texas Ratio compares a bank's problem assets (nonaccrual and 90-day past due loans, net of government guarantees, plus other real estate owned) to its loss-absorbing capacity (tangible equity plus loan loss reserves). Coined during the 1980s Texas banking crisis, it remains the single most widely cited bank failure indicator.

Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full First Bank profile or how this data updates. The figures come from the bank's call report.

Regulator records: FDIC BankFind (cert 4092) · FFIEC NIC profile (RSSD 280352)