The First National Bank of Gilbert: 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 dropped 2143.82 percentage points in Q2 2026, from 2815.38% to 671.56%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, The First National Bank of Gilbert is 183rd of 221 on return on assets, 0.88% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 0.98% on return on assets. The First National Bank of Gilbert sits 0.11 points lower, at 0.88% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.62% |
| Tier 1 risk-based capital ratio | 12.62% |
| Total risk-based capital ratio | 13.88% |
| Tier 1 leverage ratio | 7.12% |
| Equity capital to assets | 7.14% |
| Tangible equity to tangible assets | 7.14% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.16% |
| Non-performing assets ratio | 0.13% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.64% |
| Allowance for credit losses to loans | 1.05% |
| Reserve coverage of non-performing loans | 671.56% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.88% |
| Return on equity | 12.38% |
| Net interest margin | 3.68% |
| Efficiency ratio | 71.00% |
| Yield on earning assets | 5.40% |
| Cost of funds | 1.88% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.14% |
| Core deposits to total deposits | 90.52% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.37% |
| Securities to assets | 7.61% |
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 | 13.86% | 13.86% | 15.12% | 7.83% | 0.75% |
| Q4 2023 | 13.17% | 13.17% | 14.42% | 7.39% | -0.38% |
| Q1 2024 | 13.42% | 13.42% | 14.67% | 7.29% | 0.60% |
| Q2 2024 | 13.18% | 13.18% | 14.43% | 7.17% | 0.39% |
| Q3 2024 | 13.18% | 13.18% | 14.43% | 7.20% | 0.79% |
| Q4 2024 | 13.16% | 13.16% | 14.42% | 7.04% | 0.08% |
| Q1 2025 | 13.44% | 13.44% | 14.70% | 7.10% | 0.55% |
| Q2 2025 | 13.07% | 13.07% | 14.32% | 7.09% | 0.51% |
| Q3 2025 | 12.97% | 12.97% | 14.23% | 7.17% | 0.67% |
| Q4 2025 | 12.70% | 12.70% | 13.95% | 7.04% | 0.68% |
| Q1 2026 | 12.81% | 12.81% | 14.07% | 7.02% | 0.44% |
| Q2 2026 | 12.62% | 12.62% | 13.88% | 7.12% | 0.88% |
The First National Bank of Gilbert 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 Gilbert, 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 Gilbert profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5150) · FFIEC NIC profile (RSSD 975452)