First National Bank of Clarksdale: 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 Loan-to-deposit ratio: 3.10 percentage points higher than in Q1 2026, at 72.85%. First National Bank of Clarksdale ranks 51st of 57 Mississippi banks on return on assets, in the lower half at 0.63% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. First National Bank of Clarksdale sits 0.62 points lower, at 0.63% (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 | 12.83% |
| Equity capital to assets | 10.50% |
| Tangible equity to tangible assets | 10.50% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.64% |
| Non-performing assets ratio | 0.41% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 3.70% |
| Allowance for credit losses to loans | 1.04% |
| Reserve coverage of non-performing loans | 161.69% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.63% |
| Return on equity | 6.07% |
| Net interest margin | 3.50% |
| Efficiency ratio | 75.16% |
| Yield on earning assets | 5.33% |
| Cost of funds | 1.93% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.85% |
| Core deposits to total deposits | 88.94% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.58% |
| Securities to assets | 26.19% |
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 | 12.85% | 1.00% | 3.32% | 0.96% | 0.00% |
| Q4 2023 | 12.50% | 0.94% | 3.19% | 0.01% | 0.02% |
| Q1 2024 | 12.34% | 0.89% | 2.92% | 0.01% | -0.02% |
| Q2 2024 | 12.87% | 1.11% | 2.79% | 1.03% | 0.32% |
| Q3 2024 | 12.87% | 0.71% | 3.02% | 1.00% | 0.01% |
| Q4 2024 | 12.62% | 1.16% | 3.19% | 0.69% | 0.22% |
| Q1 2025 | 12.23% | 0.92% | 3.08% | 0.76% | 0.02% |
| Q2 2025 | 12.97% | 0.88% | 3.35% | 0.71% | 0.06% |
| Q3 2025 | 13.35% | 0.88% | 3.41% | 0.67% | -0.02% |
| Q4 2025 | 12.56% | 0.87% | 3.46% | 0.64% | 0.04% |
| Q1 2026 | 12.35% | 0.88% | 3.28% | 0.65% | 0.02% |
| Q2 2026 | 12.83% | 0.63% | 3.50% | 0.64% | 0.00% |
First National Bank of Clarksdale vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Clarksdale, 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 Clarksdale profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19070) · FFIEC NIC profile (RSSD 11640)