The First National Bank of Brooksville: 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: 321.11 percentage points lower than in Q1 2026, at 170.00%. The First National Bank of Brooksville has the 8th lowest return on assets of the 119 banks headquartered in Kentucky, at 0.37% as of Q2 2026. The First National Bank of Brooksville's return on assets of 0.37% is well below the 0.98% median for banks in the < $100M asset tier, a gap of 0.61 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 | 11.53% |
| Equity capital to assets | 11.05% |
| Tangible equity to tangible assets | 11.05% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.62% |
| Non-performing assets ratio | 0.35% |
| Net charge-off ratio | 1.41% |
| Texas ratio | 6.11% |
| Allowance for credit losses to loans | 1.06% |
| Reserve coverage of non-performing loans | 170.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.37% |
| Return on equity | 3.39% |
| Net interest margin | 4.32% |
| Efficiency ratio | 74.09% |
| Yield on earning assets | 5.23% |
| Cost of funds | 0.98% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 64.04% |
| Core deposits to total deposits | 97.83% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.49% |
| Securities to assets | 34.72% |
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 | 10.51% | 0.88% | 3.48% | 0.47% | 0.00% |
| Q4 2023 | 10.24% | 0.35% | 3.04% | 0.47% | -0.05% |
| Q1 2024 | 10.35% | 0.18% | 2.97% | 0.47% | 0.07% |
| Q2 2024 | 10.54% | 0.76% | 3.25% | 0.43% | -0.02% |
| Q3 2024 | 10.59% | 0.59% | 3.39% | 0.41% | 0.04% |
| Q4 2024 | 10.44% | 0.66% | 3.50% | 0.41% | 0.07% |
| Q1 2025 | 10.51% | 0.69% | 3.53% | 0.38% | 0.07% |
| Q2 2025 | 10.90% | 0.96% | 3.85% | 0.23% | 0.09% |
| Q3 2025 | 11.75% | 1.35% | 4.22% | 0.23% | 0.07% |
| Q4 2025 | 11.42% | 0.90% | 4.27% | 0.23% | -0.02% |
| Q1 2026 | 11.39% | 1.04% | 4.24% | 0.22% | -0.01% |
| Q2 2026 | 11.53% | 0.37% | 4.32% | 0.62% | 1.41% |
The First National Bank of Brooksville 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 Brooksville, 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 Brooksville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2682) · FFIEC NIC profile (RSSD 798512)