The First National Bank in Falfurrias: 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: 478.74 percentage points higher than in Q1 2026, at 2094.74%. Within Texas, The First National Bank in Falfurrias is 108th of 345 on return on assets, 1.76% as of Q2 2026, above the middle of the field. The First National Bank in Falfurrias's return on assets of 1.76% is well above the 0.98% median for banks in the < $100M asset tier, a gap of 0.77 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.82% |
| Equity capital to assets | 9.90% |
| Tangible equity to tangible assets | 9.90% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.09% |
| Non-performing assets ratio | 0.02% |
| Net charge-off ratio | 0.11% |
| Texas ratio | 0.23% |
| Allowance for credit losses to loans | 1.84% |
| Reserve coverage of non-performing loans | 2094.74% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.76% |
| Return on equity | 18.30% |
| Net interest margin | 4.19% |
| Efficiency ratio | 58.05% |
| Yield on earning assets | 4.82% |
| Cost of funds | 0.64% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 30.26% |
| Core deposits to total deposits | 96.53% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.98% |
| Securities to assets | 39.39% |
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 | 11.00% | 1.72% | 3.91% | 0.41% | 0.05% |
| Q4 2023 | 10.47% | 1.62% | 3.95% | 0.37% | 0.38% |
| Q1 2024 | 10.59% | 1.82% | 4.26% | 0.34% | 0.07% |
| Q2 2024 | 10.60% | 2.46% | 4.41% | 0.33% | -0.09% |
| Q3 2024 | 11.15% | 2.50% | 4.69% | 0.30% | 0.07% |
| Q4 2024 | 10.17% | 2.02% | 4.54% | 0.30% | 0.33% |
| Q1 2025 | 10.22% | 1.96% | 4.66% | 0.23% | 0.02% |
| Q2 2025 | 10.28% | 2.11% | 4.59% | 0.21% | 0.21% |
| Q3 2025 | 10.37% | 1.90% | 4.63% | 0.17% | 0.30% |
| Q4 2025 | 9.62% | 1.56% | 4.42% | 0.14% | 0.25% |
| Q1 2026 | 9.74% | 1.79% | 4.07% | 0.11% | 0.09% |
| Q2 2026 | 9.82% | 1.76% | 4.19% | 0.09% | 0.11% |
The First National Bank in Falfurrias 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 Falfurrias, 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 Falfurrias profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14095) · FFIEC NIC profile (RSSD 442655)