First Bank of Thomas: 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 dropped 15.73 percentage points in Q2 2026, from 98.70% to 82.97%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, First Bank of Thomas is 112th of 169 on return on assets, 1.13% as of Q2 2026, below the middle of the field. First Bank of Thomas reported 1.13% on return on assets for Q2 2026, 0.15 points above the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 28.64% |
| Tier 1 risk-based capital ratio | 28.64% |
| Total risk-based capital ratio | 29.90% |
| Tier 1 leverage ratio | 12.63% |
| Equity capital to assets | 11.82% |
| Tangible equity to tangible assets | 11.82% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.29% |
| Non-performing assets ratio | 1.01% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 8.00% |
| Allowance for credit losses to loans | 1.90% |
| Reserve coverage of non-performing loans | 82.97% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.13% |
| Return on equity | 9.65% |
| Net interest margin | 3.03% |
| Efficiency ratio | 65.40% |
| Yield on earning assets | 4.97% |
| Cost of funds | 2.19% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 50.28% |
| Core deposits to total deposits | 89.06% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.10% |
| Securities to assets | 8.05% |
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 | 36.67% | 36.67% | 37.93% | 15.76% | 1.20% |
| Q4 2023 | 33.45% | 33.45% | 34.71% | 16.31% | 0.64% |
| Q1 2024 | 29.97% | 29.97% | 31.23% | 15.58% | 0.59% |
| Q2 2024 | 30.91% | 30.91% | 32.16% | 15.10% | 1.33% |
| Q3 2024 | 31.39% | 31.39% | 32.64% | 15.73% | 1.27% |
| Q4 2024 | 32.20% | 32.20% | 33.46% | 16.04% | 0.65% |
| Q1 2025 | 30.48% | 30.48% | 31.74% | 14.97% | 1.20% |
| Q2 2025 | 30.51% | 30.51% | 31.77% | 14.58% | 1.35% |
| Q3 2025 | 28.63% | 28.63% | 29.88% | 15.12% | 1.46% |
| Q4 2025 | 28.65% | 28.65% | 29.91% | 15.15% | 1.16% |
| Q1 2026 | 26.60% | 26.60% | 27.86% | 13.83% | 1.19% |
| Q2 2026 | 28.64% | 28.64% | 29.90% | 12.63% | 1.13% |
First Bank of Thomas vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bank of Thomas, 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 of Thomas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4209) · FFIEC NIC profile (RSSD 328058)