First Capital Bank (Quanah, TX)
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Data as of · sourced from FFIEC call reports. How we update
First Capital Bank is an FDIC-insured commercial bank headquartered in Quanah, TX, established in 1907 (FDIC certificate 3399), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $107.3M, up 5.5% from Q2 2025, the 306th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 13.71% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 3399
- Headquarters
- Quanah, TX
- Established
- 1907
- Total assets, Q2 2026
- $107.3M
- Assets vs Q2 2025
- +5.5%
- CET1 ratio, Q2 2026
- 13.71%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 111303007
- Holding company
- QUANAH FINANCIAL CORPORATION
- Asset rank in state
- 306th of 346 in Texas
First Capital Bank earns an unusually wide margin on its lending. Its balance sheet stood at $107 million at June 30, 2026, up 5.5% from a year earlier; it is based in Quanah, Texas. It keeps 5.85 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also holds commercial real estate loans equal to only 14% of its capital, a small fraction of the median of 1.2 times for banks its size.
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.70% of loans from 2.05%. Loans and deposits moved in opposite directions: over the year loans fell 5.9% and deposits rose 5.5%. Credit is the area to watch: it carries problem assets equal to 8.8% of the capital and reserves that would absorb them, about triple the median of 2.6% for banks its size.
As of June 30, 2026, First Capital Bank reported a CET1 capital ratio of 13.71%, a return on assets of 1.42%, a nonperforming-loan ratio of 0.70% and a Texas ratio of 8.80%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First Capital Bank is the 306th largest of the 346 banks headquartered in Texas. Between Q1 2026 and Q2 2026, its total assets rose 0.1% to $107.3M, loans fell 4.9% and deposits were flat. 1-4 family residential loans made up 29.7% of its total loans on June 30, 2026, its largest category; next came agricultural production loans at 20.5%. The FDIC Summary of Deposits lists 2 offices for it, in Wichita Falls, TX and Quanah, TX; its Wichita Falls office books 63% of its branch deposits. On its Q2 2026 call report, First Capital Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 120 W 3rd St, Quanah, TX 79252
- County
- Hardeman
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1907
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 25
- Domestic deposits
- $96.8M
- Allowance for credit losses
- $1.3M
- Net charge-offs (YTD)
- $531K
- Average total assets
- $107.4M
- Average total loans
- $77.6M
- Average interest-bearing deposits
- $52.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3399
- Fed RSSD
- 919568
- Website
- www.fcbqt.com →
- Parent Holding Company
- QUANAH FINANCIAL CORPORATION (RSSD 2366746)
- Ultimate Parent
- RSSD 2366755
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, First Capital Bank's total assets ranged from $81.3M (Q3 2023) to $116.3M (Q4 2025), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$107.3M total assets against $101.7M; $97.0M total liabilities against $92.0M.
$74.3M net loans and leases against $79.1M; $96.8M total deposits against $91.7M.
$5.9M securities against $999K; $20.9M cash and balances due against $15.3M.
$1.7M total interest income against $1.7M; $319K total interest expense against $430K.
$1.4M net interest income against $1.3M.
$156K total noninterest income against $137K; $1.1M total noninterest expense against $1.0M.
$0 provision for credit losses against $0.
$381K net income against $333K.
1.42% return on assets against 1.38%; 5.85% net interest margin against 5.77%.
13.71% CET1 capital ratio against 12.13%; 9.57% tier 1 leverage ratio against 10.01%.
Inside the full First Capital Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Capital Bank rankings
Its closest position to the top of a national ranking is 744 of 3,640, for Texas Ratio; its furthest is 3,614 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.76% (Q4 2025) to 1.98% (Q1 2026) and its net interest margin ran from 5.11% (Q3 2025) to 6.52% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.71% | 1.42% | 0.70% | 8.80% | 5.85% |
| Q1 2026 | 12.91% | 1.98% | 0.55% | 8.15% | 6.52% |
| Q4 2025 | 11.25% | -0.76% | 5.82% | 45.43% | 5.31% |
| Q3 2025 | 12.34% | 0.48% | 6.12% | 44.45% | 5.11% |
| Q2 2025 | 12.13% | 1.38% | 2.05% | 15.92% | 5.77% |
| Q1 2025 | 11.89% | 0.85% | 0.13% | 1.88% | 5.56% |
| Q4 2024 | 11.32% | 0.32% | 2.26% | 18.28% | 5.63% |
| Q3 2024 | 11.59% | 0.21% | 3.09% | 23.04% | 5.95% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Wichita Falls Branch | Wichita Falls , TX | 76310 | $61.2M |
| First Capital Bank (main office) | Quanah , TX | 79252 | $35.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 373 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $1.1M approved, $1.1M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First Capital Bank
What are First Capital Bank's total assets?
As of the Q2 2026 filing, First Capital Bank reported total assets of $107.3 million in its FFIEC call report.
Where is First Capital Bank headquartered?
It is headquartered in Quanah, TX, United States.
When was First Capital Bank founded?
It was established in 1907, per the FDIC institution directory.
Is First Capital Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3399). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Capital Bank?
First Capital Bank's primary federal regulator is the Federal Reserve.
What is First Capital Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.71% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Capital Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Capital Bank's Texas Ratio?
Its Texas Ratio is 8.80% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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