First National Bank of Bosque County: 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: 7.72 percentage points higher than in Q1 2026, at 281.76%. Within Texas, First National Bank of Bosque County is 46th of 345 on return on assets, 2.20% as of Q2 2026, above the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, First National Bank of Bosque County reported 2.20% on return on assets in Q2 2026, 0.95 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 18.80% |
| Tier 1 risk-based capital ratio | 18.80% |
| Total risk-based capital ratio | 20.06% |
| Tier 1 leverage ratio | 12.79% |
| Equity capital to assets | 12.91% |
| Tangible equity to tangible assets | 12.91% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.46% |
| Non-performing assets ratio | 0.35% |
| Net charge-off ratio | -0.02% |
| Texas ratio | 4.08% |
| Allowance for credit losses to loans | 1.31% |
| Reserve coverage of non-performing loans | 281.76% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.20% |
| Return on equity | 17.42% |
| Net interest margin | 4.69% |
| Efficiency ratio | 55.33% |
| Yield on earning assets | 5.56% |
| Cost of funds | 0.95% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.41% |
| Core deposits to total deposits | 97.37% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.84% |
| Securities to assets | 12.00% |
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 | 15.69% | 15.69% | 16.94% | 10.29% | 1.57% |
| Q4 2023 | 16.45% | 16.45% | 17.71% | 10.46% | 2.13% |
| Q1 2024 | 15.51% | 15.51% | 16.76% | 11.05% | 2.20% |
| Q2 2024 | 15.63% | 15.63% | 16.88% | 11.32% | 2.03% |
| Q3 2024 | 17.07% | 17.07% | 18.32% | 12.00% | 2.04% |
| Q4 2024 | 16.44% | 16.44% | 17.70% | 11.86% | 2.12% |
| Q1 2025 | 16.62% | 16.62% | 17.87% | 12.28% | 2.28% |
| Q2 2025 | 16.66% | 16.66% | 17.91% | 12.30% | 2.15% |
| Q3 2025 | 16.92% | 16.92% | 18.17% | 12.43% | 2.21% |
| Q4 2025 | 17.34% | 17.34% | 18.59% | 11.71% | 2.04% |
| Q1 2026 | 18.89% | 18.89% | 20.15% | 12.33% | 2.01% |
| Q2 2026 | 18.80% | 18.80% | 20.06% | 12.79% | 2.20% |
First National Bank of Bosque County vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Bosque County, 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 of Bosque County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5564) · FFIEC NIC profile (RSSD 198961)