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.
Securities to assets climbed 1.71 percentage points in Q2 2026, from 6.96% to 8.67%. It was the largest change from Q1 2026 among the key lines here. Among 169 Oklahoma banks, First Bank sits 3rd from the top on return on assets, 2.91% as of Q2 2026. First Bank's return on assets of 2.91% is well above the 1.26% median for banks in the $100M-1B asset tier, a gap of 1.66 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 23.44% |
| Tier 1 risk-based capital ratio | 23.44% |
| Total risk-based capital ratio | 24.70% |
| Tier 1 leverage ratio | 14.16% |
| Equity capital to assets | 14.18% |
| Tangible equity to tangible assets | 14.00% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.27% |
| Non-performing assets ratio | 0.15% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 0.99% |
| Allowance for credit losses to loans | 2.28% |
| Reserve coverage of non-performing loans | 846.63% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.91% |
| Return on equity | 20.55% |
| Net interest margin | 5.30% |
| Efficiency ratio | 46.72% |
| Yield on earning assets | 6.59% |
| Cost of funds | 1.44% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 66.11% |
| Core deposits to total deposits | 94.03% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.86% |
| Securities to assets | 8.67% |
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 | 18.07% | 18.07% | 19.34% | 12.99% | 4.44% |
| Q4 2023 | 17.70% | 17.70% | 18.96% | 13.49% | 4.87% |
| Q1 2024 | 17.94% | 17.94% | 19.20% | 13.23% | 4.73% |
| Q2 2024 | 19.35% | 19.35% | 20.62% | 13.11% | 4.72% |
| Q3 2024 | 19.34% | 19.34% | 20.60% | 13.58% | 4.57% |
| Q4 2024 | 20.88% | 20.88% | 22.15% | 14.18% | 5.47% |
| Q1 2025 | 22.24% | 22.24% | 23.50% | 13.84% | 3.61% |
| Q2 2025 | 23.37% | 23.37% | 24.64% | 13.54% | 3.99% |
| Q3 2025 | 24.26% | 24.26% | 25.53% | 13.86% | 3.33% |
| Q4 2025 | 24.51% | 24.51% | 25.77% | 14.96% | 3.24% |
| Q1 2026 | 25.41% | 25.41% | 26.68% | 14.20% | 2.84% |
| Q2 2026 | 23.44% | 23.44% | 24.70% | 14.16% | 2.91% |
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 4092) · FFIEC NIC profile (RSSD 280352)