First National Bank of Dublin: 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: 11.46 percentage points higher than in Q1 2026, at 1800.00%. Within Texas, First National Bank of Dublin is 67th of 345 on return on assets, 2.02% 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 Dublin reported 2.02% on return on assets in Q2 2026, 0.77 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.70% |
| Tier 1 risk-based capital ratio | 16.70% |
| Total risk-based capital ratio | 17.96% |
| Tier 1 leverage ratio | 12.41% |
| Equity capital to assets | 12.56% |
| Tangible equity to tangible assets | 12.56% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.10% |
| Non-performing assets ratio | 0.07% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 0.54% |
| Allowance for credit losses to loans | 1.86% |
| Reserve coverage of non-performing loans | 1800.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.02% |
| Return on equity | 16.36% |
| Net interest margin | 5.86% |
| Efficiency ratio | 66.48% |
| Yield on earning assets | 6.54% |
| Cost of funds | 0.81% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.62% |
| Core deposits to total deposits | 96.35% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.05% |
| Securities to assets | 3.74% |
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 | 15.08% | 15.08% | 16.34% | 10.42% | 3.06% |
| Q4 2023 | 15.26% | 15.26% | 16.52% | 10.58% | 3.34% |
| Q1 2024 | 15.38% | 15.38% | 16.63% | 10.88% | 2.88% |
| Q2 2024 | 15.88% | 15.88% | 17.14% | 11.29% | 2.97% |
| Q3 2024 | 16.09% | 16.09% | 17.35% | 11.62% | 3.03% |
| Q4 2024 | 16.25% | 16.25% | 17.51% | 11.62% | 2.68% |
| Q1 2025 | 15.63% | 15.63% | 16.88% | 11.57% | 2.44% |
| Q2 2025 | 16.84% | 16.84% | 18.10% | 11.92% | 2.13% |
| Q3 2025 | 16.88% | 16.88% | 18.14% | 11.89% | 2.34% |
| Q4 2025 | 16.69% | 16.69% | 17.94% | 12.27% | 1.85% |
| Q1 2026 | 16.65% | 16.65% | 17.90% | 12.35% | 2.35% |
| Q2 2026 | 16.70% | 16.70% | 17.96% | 12.41% | 2.02% |
First National Bank of Dublin vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Dublin, 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 Dublin profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26228) · FFIEC NIC profile (RSSD 648550)