The First National Bank in Cooper: 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 Loan-to-deposit ratio: 1.74 percentage points lower than in Q1 2026, at 61.00%. The First National Bank in Cooper ranks 285th of 345 Texas banks on return on assets, in the lower half at 0.82% (Q2 2026). The First National Bank in Cooper reported 0.82% on return on assets for Q2 2026, 0.17 points below the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.12% |
| Equity capital to assets | 12.88% |
| Tangible equity to tangible assets | 12.88% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 5.73% |
| Allowance for credit losses to loans | 0.81% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.82% |
| Return on equity | 6.37% |
| Net interest margin | 3.03% |
| Efficiency ratio | 68.22% |
| Yield on earning assets | 4.42% |
| Cost of funds | 1.52% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 61.00% |
| Core deposits to total deposits | 97.16% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.68% |
| Securities to assets | 19.98% |
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 | 9.68% | 1.05% | 3.27% | 0.00% | 0.00% |
| Q4 2023 | 10.93% | 0.67% | 3.13% | 0.00% | 0.01% |
| Q1 2024 | 13.29% | 0.96% | 3.09% | 0.00% | 0.05% |
| Q2 2024 | 13.32% | 0.86% | 3.02% | 0.00% | 0.00% |
| Q3 2024 | 13.94% | 1.02% | 3.26% | 0.00% | 0.07% |
| Q4 2024 | 14.26% | 0.84% | 3.02% | 0.00% | 0.00% |
| Q1 2025 | 13.60% | 0.88% | 3.00% | 0.00% | 0.00% |
| Q2 2025 | 13.56% | 0.83% | 3.05% | 0.00% | 0.00% |
| Q3 2025 | 13.91% | 0.92% | 3.10% | 0.00% | 0.01% |
| Q4 2025 | 13.61% | 0.86% | 3.32% | 0.00% | 0.00% |
| Q1 2026 | 13.26% | 0.96% | 3.09% | 0.00% | 0.00% |
| Q2 2026 | 13.12% | 0.82% | 3.03% | 0.00% | 0.00% |
The First National Bank in Cooper vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank in Cooper, 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 The First National Bank in Cooper profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3149) · FFIEC NIC profile (RSSD 767152)