First National Bank and Trust Company of Weatherford dba First Bank Texas: Texas Ratio
Data as of · sourced from FFIEC call reports. How we update
First National Bank and Trust Company of Weatherford dba First Bank Texas reported a texas ratio of 27.22% as of Q2 2026, ranking #128 of 3,655 U.S. banks (97th percentile). The Texas Ratio is the most-cited bank failure-prediction metric. A ratio above 100% historically correlates with elevated failure risk.
12-Quarter Trend
National Context
What is the Texas Ratio?
The Texas Ratio compares a bank's potential credit losses (non-performing assets + real-estate-owned) to its loss-absorbing capacity (tangible equity + loan loss reserves). Coined during the 1980s Texas banking crisis, it remains the single most widely cited bank failure-prediction metric.
Under 25%: healthy. 25-50%: normal for most community banks. 50-100%: watch, credit issues exceed half of capital. Over 100%: elevated failure risk; the bank's bad assets exceed its capacity to absorb them. The ratio should be read against trend. A stable 70% is different from a quickly rising 60%.
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What is First National Bank and Trust Company of Weatherford dba First Bank Texas's Texas Ratio?
First National Bank and Trust Company of Weatherford dba First Bank Texas's Texas Ratio was 27.22% as of Q2 2026, ranking #128 of 3,655 U.S. banks.
What is the Texas Ratio?
The Texas Ratio compares a bank's potential credit losses (non-performing assets + real-estate-owned) to its loss-absorbing capacity (tangible equity + loan loss reserves). Coined during the 1980s Texas banking crisis, it remains the single most widely cited bank failure-prediction metric.
More First National Bank and Trust Company of Weatherford dba First Bank Texas metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full First National Bank and Trust Company of Weatherford dba First Bank Texas profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 5575) · FFIEC NIC profile (RSSD 614368)