The First National Bank of Bastrop: 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 7.11 percentage points in Q2 2026, from 406.19% to 413.30%. It was the largest change from Q1 2026 among the key lines here. Within Texas, The First National Bank of Bastrop is 207th of 345 on return on assets, 1.29% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets; The First National Bank of Bastrop reported 1.29% for Q2 2026, nearly level with it.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.61% |
| Equity capital to assets | 9.09% |
| Tangible equity to tangible assets | 9.09% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.28% |
| Non-performing assets ratio | 0.17% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 2.03% |
| Allowance for credit losses to loans | 1.14% |
| Reserve coverage of non-performing loans | 413.30% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.29% |
| Return on equity | 13.99% |
| Net interest margin | 3.94% |
| Efficiency ratio | 59.23% |
| Yield on earning assets | 5.52% |
| Cost of funds | 1.74% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 67.57% |
| Core deposits to total deposits | 88.46% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.48% |
| Securities to assets | 25.71% |
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 | 18.78% | 18.78% | 19.86% | 11.39% | 0.34% |
| Q4 2023 | 19.11% | 19.11% | 20.25% | 11.45% | 0.67% |
| Q1 2024 | 19.12% | 19.12% | 20.25% | 11.37% | 0.70% |
| Q2 2024 | 19.42% | 19.42% | 20.53% | 11.73% | 0.99% |
| Q3 2024 | 19.55% | 19.55% | 20.68% | 11.80% | 0.97% |
| Q4 2024 | 19.32% | 19.32% | 20.46% | 11.49% | 1.11% |
| Q1 2025 | 19.45% | 19.45% | 20.57% | 11.46% | 1.29% |
| Q2 2025 | 18.52% | 18.52% | 19.60% | 11.67% | 1.36% |
| Q3 2025 | 18.60% | 18.60% | 19.70% | 11.96% | 2.15% |
| Q4 2025 | 18.31% | 18.31% | 19.42% | 11.80% | 1.13% |
| Q1 2026 | 18.06% | 18.06% | 19.15% | 11.55% | 1.61% |
| Q2 2026 | — | — | — | 11.61% | 1.29% |
The First National Bank of Bastrop 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 Bastrop, 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 Bastrop profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3091) · FFIEC NIC profile (RSSD 18050)