First National Bank in Cimarron: 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 climbed 78.38 percentage points in Q2 2026, from 977.33% to 1055.71%. It was the largest change from Q1 2026 among the key lines here. Within Kansas, First National Bank in Cimarron is 28th of 182 on return on assets, 2.05% as of Q2 2026, above the middle of the field. First National Bank in Cimarron's return on assets of 2.05% is well above 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 | 16.23% |
| Tier 1 risk-based capital ratio | 16.23% |
| Total risk-based capital ratio | 17.28% |
| Tier 1 leverage ratio | 9.60% |
| Equity capital to assets | 6.71% |
| Tangible equity to tangible assets | 6.71% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.10% |
| Non-performing assets ratio | 0.05% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.69% |
| Allowance for credit losses to loans | 1.04% |
| Reserve coverage of non-performing loans | 1055.71% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.05% |
| Return on equity | 32.12% |
| Net interest margin | 4.02% |
| Efficiency ratio | 54.80% |
| Yield on earning assets | 5.26% |
| Cost of funds | 1.35% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 54.00% |
| Core deposits to total deposits | 83.03% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.55% |
| Securities to assets | 47.57% |
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 | 15.55% | 15.55% | 16.46% | 8.52% | 0.83% |
| Q4 2023 | 14.85% | 14.85% | 15.79% | 8.21% | 0.48% |
| Q1 2024 | 14.84% | 14.84% | 15.78% | 8.36% | 2.13% |
| Q2 2024 | 14.79% | 14.79% | 15.83% | 8.73% | 0.88% |
| Q3 2024 | 14.37% | 14.37% | 15.38% | 8.76% | 1.06% |
| Q4 2024 | 13.33% | 13.33% | 14.33% | 8.27% | 0.71% |
| Q1 2025 | 14.38% | 14.38% | 15.49% | 8.21% | 1.39% |
| Q2 2025 | 14.57% | 14.57% | 15.68% | 8.74% | 1.42% |
| Q3 2025 | 15.08% | 15.08% | 16.14% | 9.01% | 1.43% |
| Q4 2025 | 14.68% | 14.68% | 15.74% | 8.75% | 1.15% |
| Q1 2026 | 15.86% | 15.86% | 16.93% | 8.93% | 2.11% |
| Q2 2026 | 16.23% | 16.23% | 17.28% | 9.60% | 2.05% |
First National Bank in Cimarron vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank in Cimarron, 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 in Cimarron profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4638) · FFIEC NIC profile (RSSD 677354)