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: 324.11 percentage points lower than in Q1 2026, at 265.54%. First National Bank ranks 75th of 87 Indiana banks on return on assets, in the lower half at 0.45% (Q2 2026). First National Bank's return on assets of 0.45% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.80 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.70% |
| Tier 1 risk-based capital ratio | 16.70% |
| Total risk-based capital ratio | 17.96% |
| Tier 1 leverage ratio | 9.50% |
| Equity capital to assets | 7.69% |
| Tangible equity to tangible assets | 7.69% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.71% |
| Non-performing assets ratio | 0.39% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 4.64% |
| Allowance for credit losses to loans | 1.89% |
| Reserve coverage of non-performing loans | 265.54% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.45% |
| Return on equity | 6.07% |
| Net interest margin | 3.09% |
| Efficiency ratio | 82.82% |
| Yield on earning assets | 4.71% |
| Cost of funds | 1.74% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 59.66% |
| Core deposits to total deposits | 97.78% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.53% |
| Securities to assets | 26.84% |
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 | 17.46% | 17.46% | 18.72% | 8.69% | 0.73% |
| Q4 2023 | 16.98% | 16.98% | 18.24% | 8.82% | 0.75% |
| Q1 2024 | 17.82% | 17.82% | 19.08% | 9.06% | 0.51% |
| Q2 2024 | 17.53% | 17.53% | 18.79% | 9.07% | 0.47% |
| Q3 2024 | 17.17% | 17.17% | 18.43% | 9.24% | 0.62% |
| Q4 2024 | 17.00% | 17.00% | 18.25% | 9.22% | 0.53% |
| Q1 2025 | 17.73% | 17.73% | 18.99% | 9.49% | 0.48% |
| Q2 2025 | 17.29% | 17.29% | 18.55% | 9.29% | 0.46% |
| Q3 2025 | 17.38% | 17.38% | 18.64% | 9.34% | 0.56% |
| Q4 2025 | 16.75% | 16.75% | 18.01% | 9.30% | 0.39% |
| Q1 2026 | 17.41% | 17.41% | 18.67% | 9.66% | 0.38% |
| Q2 2026 | 16.70% | 16.70% | 17.96% | 9.50% | 0.45% |
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 4324) · FFIEC NIC profile (RSSD 60648)