The First National Bank of Eagle Lake: 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: 8.11 percentage points higher than in Q1 2026, at 72.83%. The First National Bank of Eagle Lake ranks 119th of 345 Texas banks on return on assets, in the upper half at 1.72% (Q2 2026). The First National Bank of Eagle Lake reported 1.72% on return on assets for Q2 2026, 0.47 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.38% |
| Equity capital to assets | 11.34% |
| Tangible equity to tangible assets | 11.34% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.25% |
| Non-performing assets ratio | 1.44% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 11.55% |
| Allowance for credit losses to loans | 1.80% |
| Reserve coverage of non-performing loans | 79.95% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.72% |
| Return on equity | 15.75% |
| Net interest margin | 5.08% |
| Efficiency ratio | 64.71% |
| Yield on earning assets | 6.02% |
| Cost of funds | 0.74% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.83% |
| Core deposits to total deposits | 90.33% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.10% |
| Securities to assets | 10.81% |
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 | 10.24% | 1.68% | 5.01% | 0.00% | 0.02% |
| Q4 2023 | 9.99% | 1.98% | 4.93% | 0.00% | 0.18% |
| Q1 2024 | 10.08% | 1.36% | 4.71% | 0.00% | -0.12% |
| Q2 2024 | 10.50% | 1.59% | 4.82% | 0.00% | 0.02% |
| Q3 2024 | 10.40% | 1.44% | 4.57% | 0.03% | 0.01% |
| Q4 2024 | 9.96% | 1.51% | 4.73% | 0.04% | -0.12% |
| Q1 2025 | 10.52% | 1.30% | 4.29% | 3.06% | 0.05% |
| Q2 2025 | 11.20% | 1.69% | 4.89% | 2.89% | 0.05% |
| Q3 2025 | 11.26% | 1.49% | 4.70% | 3.71% | 0.03% |
| Q4 2025 | 10.85% | 1.99% | 5.06% | 3.07% | -0.02% |
| Q1 2026 | 11.35% | 1.37% | 4.72% | 2.38% | 0.01% |
| Q2 2026 | 11.38% | 1.72% | 5.08% | 2.25% | 0.01% |
The First National Bank of Eagle Lake 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 Eagle Lake, 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 Eagle Lake profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3179) · FFIEC NIC profile (RSSD 651952)