First National 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: 89.42 percentage points lower than in Q1 2026, at 581.18%. First National Bank has the highest return on assets of the 93 banks headquartered in Alabama, 2.79% as of Q2 2026. Against a median of 1.26% for banks in the $100M-1B asset tier, First National Bank reported 2.79% on return on assets in Q2 2026, 1.53 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 18.99% |
| Equity capital to assets | 17.79% |
| Tangible equity to tangible assets | 17.79% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.25% |
| Non-performing assets ratio | 0.14% |
| Net charge-off ratio | 0.10% |
| Texas ratio | 0.74% |
| Allowance for credit losses to loans | 1.47% |
| Reserve coverage of non-performing loans | 581.18% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.79% |
| Return on equity | 16.04% |
| Net interest margin | 4.70% |
| Efficiency ratio | 42.41% |
| Yield on earning assets | 5.35% |
| Cost of funds | 0.76% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 48.06% |
| Core deposits to total deposits | 96.05% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 81.97% |
| Securities to assets | 48.60% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 15.31% | 2.33% | 4.62% | 0.27% | 0.39% |
| Q4 2023 | 16.14% | 2.55% | 4.69% | 0.21% | 0.30% |
| Q1 2024 | 16.56% | 2.37% | 4.62% | 0.29% | 0.34% |
| Q2 2024 | 17.13% | 2.62% | 4.71% | 0.14% | 0.17% |
| Q3 2024 | 17.77% | 2.12% | 4.58% | 0.38% | 0.14% |
| Q4 2024 | 17.97% | 2.09% | 4.62% | 0.22% | 0.28% |
| Q1 2025 | 18.06% | 2.05% | 4.66% | 0.14% | 0.45% |
| Q2 2025 | 18.14% | 2.33% | 4.81% | 0.36% | 0.18% |
| Q3 2025 | 18.57% | 2.43% | 4.95% | 0.18% | 0.53% |
| Q4 2025 | 18.97% | 2.41% | 4.82% | 0.23% | 0.38% |
| Q1 2026 | 19.07% | 2.17% | 4.59% | 0.21% | 0.49% |
| Q2 2026 | 18.99% | 2.79% | 4.70% | 0.25% | 0.10% |
First National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First National 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22271) · FFIEC NIC profile (RSSD 330239)