The First National Bank of East Texas: 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.
Reserve coverage of non-performing loans climbed 17.20 percentage points in Q2 2026, from 71.90% to 89.10%. It was the largest change from Q1 2026 among the key lines here. Within Texas, The First National Bank of East Texas is 145th of 345 on return on assets, 1.61% as of Q2 2026, above the middle of the field. The First National Bank of East Texas reported 1.61% on return on assets for Q2 2026, 0.36 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 | 9.96% |
| Equity capital to assets | 9.33% |
| Tangible equity to tangible assets | 8.44% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.52% |
| Non-performing assets ratio | 1.15% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 12.74% |
| Allowance for credit losses to loans | 1.35% |
| Reserve coverage of non-performing loans | 89.10% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.61% |
| Return on equity | 17.85% |
| Net interest margin | 4.42% |
| Efficiency ratio | 58.59% |
| Yield on earning assets | 6.26% |
| Cost of funds | 1.98% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.52% |
| Core deposits to total deposits | 78.57% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.23% |
| Securities to assets | 17.47% |
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 | 10.05% | 0.89% | 3.96% | 0.67% | -0.09% |
| Q4 2023 | 9.90% | 1.05% | 3.98% | 0.61% | 0.25% |
| Q1 2024 | 9.73% | 0.22% | 3.78% | 0.42% | 0.73% |
| Q2 2024 | 9.85% | 0.93% | 4.02% | 0.42% | 0.01% |
| Q3 2024 | 9.75% | -0.13% | 3.96% | 0.61% | 1.12% |
| Q4 2024 | 9.77% | 1.74% | 4.35% | 0.32% | -0.44% |
| Q1 2025 | 9.73% | 0.64% | 4.14% | 0.28% | 1.23% |
| Q2 2025 | 9.75% | 1.20% | 4.22% | 0.77% | -0.16% |
| Q3 2025 | 9.77% | 1.25% | 4.27% | 0.78% | 0.11% |
| Q4 2025 | 9.58% | 1.31% | 4.30% | 0.67% | 0.04% |
| Q1 2026 | 9.72% | 1.25% | 4.06% | 1.70% | -0.03% |
| Q2 2026 | 9.96% | 1.61% | 4.42% | 1.52% | 0.02% |
The First National Bank of East Texas 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 East Texas, 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 East Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3218) · FFIEC NIC profile (RSSD 445955)