First Capital 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.
Reserve coverage of non-performing loans dropped 12.00 percentage points in Q2 2026, from 44.98% to 32.97%. It was the largest change from Q1 2026 among the key lines here. Within Texas, First Capital Bank is 185th of 345 on return on assets, 1.42% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. First Capital Bank sits 0.16 points higher, at 1.42% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.71% |
| Tier 1 risk-based capital ratio | 13.71% |
| Total risk-based capital ratio | 14.97% |
| Tier 1 leverage ratio | 9.57% |
| Equity capital to assets | 9.58% |
| Tangible equity to tangible assets | 9.58% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 5.12% |
| Non-performing assets ratio | 4.06% |
| Net charge-off ratio | 0.87% |
| Texas ratio | 40.05% |
| Allowance for credit losses to loans | 1.69% |
| Reserve coverage of non-performing loans | 32.97% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.42% |
| Return on equity | 15.08% |
| Net interest margin | 5.85% |
| Efficiency ratio | 67.57% |
| Yield on earning assets | 7.18% |
| Cost of funds | 1.32% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.10% |
| Core deposits to total deposits | 88.01% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.22% |
| Securities to assets | 5.49% |
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 | 12.09% | 12.09% | 13.34% | 10.03% | 1.31% |
| Q4 2023 | 11.49% | 11.49% | 12.74% | 9.69% | 1.53% |
| Q1 2024 | 11.68% | 11.68% | 12.93% | 9.85% | 0.58% |
| Q2 2024 | 11.73% | 11.73% | 12.99% | 10.01% | 1.32% |
| Q3 2024 | 11.59% | 11.59% | 12.85% | 9.88% | 0.21% |
| Q4 2024 | 11.32% | 11.32% | 12.58% | 9.26% | 0.32% |
| Q1 2025 | 11.89% | 11.89% | 13.15% | 9.73% | 0.85% |
| Q2 2025 | 12.13% | 12.13% | 13.38% | 10.01% | 1.38% |
| Q3 2025 | 12.34% | 12.34% | 13.59% | 9.45% | 0.48% |
| Q4 2025 | 11.25% | 11.25% | 12.51% | 8.78% | -0.76% |
| Q1 2026 | 12.91% | 12.91% | 14.17% | 9.18% | 1.98% |
| Q2 2026 | 13.71% | 13.71% | 14.97% | 9.57% | 1.42% |
First Capital Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Capital 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 Capital Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3399) · FFIEC NIC profile (RSSD 919568)