The First National Bank of Aspermont: 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: 36.48 percentage points higher than in Q1 2026, at 420.14%. The First National Bank of Aspermont ranks 247th of 345 Texas banks on return on assets, in the lower half at 1.09% (Q2 2026). The First National Bank of Aspermont reported 1.09% on return on assets for Q2 2026, 0.17 points below the 1.25% median for banks in the $100M-1B 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 | 9.07% |
| Equity capital to assets | 3.98% |
| Tangible equity to tangible assets | 3.73% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.29% |
| Non-performing assets ratio | 0.11% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 2.58% |
| Allowance for credit losses to loans | 1.21% |
| Reserve coverage of non-performing loans | 420.14% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.09% |
| Return on equity | 27.59% |
| Net interest margin | 3.17% |
| Efficiency ratio | 61.26% |
| Yield on earning assets | 4.59% |
| Cost of funds | 1.40% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 38.94% |
| Core deposits to total deposits | 94.77% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 95.60% |
| Securities to assets | 46.37% |
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 | 10.59% | 0.58% | 2.71% | 0.11% | 0.11% |
| Q4 2023 | 10.45% | 0.62% | 2.67% | 0.25% | 0.00% |
| Q1 2024 | 10.02% | 0.52% | 2.54% | 0.16% | 0.06% |
| Q2 2024 | 9.65% | 0.50% | 2.58% | 0.15% | 0.01% |
| Q3 2024 | 9.63% | 0.46% | 2.59% | 0.39% | 0.00% |
| Q4 2024 | 9.63% | 0.14% | 2.55% | 0.36% | 0.00% |
| Q1 2025 | 9.61% | 0.48% | 2.68% | 0.33% | -0.01% |
| Q2 2025 | 9.15% | 0.72% | 2.79% | 0.28% | 0.00% |
| Q3 2025 | 8.80% | 0.84% | 2.91% | 0.43% | 0.01% |
| Q4 2025 | 8.75% | 1.10% | 2.95% | 0.36% | 0.02% |
| Q1 2026 | 8.84% | 1.11% | 3.01% | 0.32% | 0.00% |
| Q2 2026 | 9.07% | 1.09% | 3.17% | 0.29% | 0.00% |
The First National Bank of Aspermont vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Aspermont, 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 of Aspermont profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3079) · FFIEC NIC profile (RSSD 138257)