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 Reserve coverage of non-performing loans: 15.21 percentage points lower than in Q1 2026, at 315.45%. Within Virginia, First Bank is 34th of 56 on return on assets, 1.19% as of Q2 2026. The median for banks in the $1B-10B asset tier is 1.27% on return on assets. First Bank sits 0.09 points lower, at 1.19% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.87% |
| Tier 1 risk-based capital ratio | 12.87% |
| Total risk-based capital ratio | 13.91% |
| Tier 1 leverage ratio | 9.44% |
| Equity capital to assets | 9.43% |
| Tangible equity to tangible assets | 8.75% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.32% |
| Non-performing assets ratio | 0.23% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 2.43% |
| Allowance for credit losses to loans | 1.00% |
| Reserve coverage of non-performing loans | 315.45% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.19% |
| Return on equity | 12.78% |
| Net interest margin | 4.16% |
| Efficiency ratio | 64.67% |
| Yield on earning assets | 5.27% |
| Cost of funds | 1.06% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.61% |
| Core deposits to total deposits | 95.72% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.98% |
| Securities to assets | 15.30% |
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 | 13.86% | 13.86% | 14.80% | 9.96% | 0.98% |
| Q4 2023 | 12.82% | 12.82% | 14.05% | 9.31% | -0.17% |
| Q1 2024 | 13.20% | 13.20% | 14.45% | 9.19% | 0.96% |
| Q2 2024 | 12.88% | 12.88% | 14.13% | 9.18% | 0.73% |
| Q3 2024 | 13.04% | 13.04% | 14.29% | 9.23% | 0.67% |
| Q4 2024 | 11.19% | 11.19% | 12.34% | 7.95% | -0.04% |
| Q1 2025 | 11.39% | 11.39% | 12.44% | 8.28% | 0.44% |
| Q2 2025 | 11.81% | 11.81% | 12.89% | 8.56% | 1.11% |
| Q3 2025 | 12.36% | 12.36% | 13.40% | 8.88% | 1.20% |
| Q4 2025 | 12.59% | 12.59% | 13.64% | 9.13% | 1.16% |
| Q1 2026 | 12.73% | 12.73% | 13.75% | 9.38% | 1.09% |
| Q2 2026 | 12.87% | 12.87% | 13.91% | 9.44% | 1.19% |
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 6917) · FFIEC NIC profile (RSSD 899428)