Bank Safety Analysis
Is The First National Bank of Lipan Safe?
The First National Bank of Lipan meets regulatory minimums but is on the watch band for 1 of 5 safety dimensions. Analysis based on the Q2 2026 call report.
Cet1 ratio climbed 3.94 percentage points in Q2 2026, from 35.16% to 39.10%. It was the largest change from Q1 2026 among the key lines here. On CET1 ratio, The First National Bank of Lipan ranks 15th highest among the 184 banks headquartered in Texas, at 39.10% (Q2 2026). Against a median of 19.57% for banks in the < $100M asset tier, The First National Bank of Lipan reported 39.10% on CET1 ratio in Q2 2026, 19.54 points higher. From Q3 2023 to Q2 2026, The First National Bank of Lipan's CET1 ratio ranged between 27.16% (Q3 2023) and 39.10% (Q2 2026) and its Texas ratio ranged between 0.00% (Q2 2026) and 0.00% (Q2 2026). Compared with Q2 2025, The First National Bank of Lipan's CET1 ratio from 31.44% to 39.10%, noncurrent loans to total loans from 0.00% to 0.00%, Texas ratio from 0.00% to 0.00%, return on assets from 0.87% to 0.82% in Q2 2026.
Data as of · sourced from FFIEC call reports. How we update
A relative risk score, not a calibrated probability: it ranks this bank against every other filer. Model AUC 0.988 (v20261005_114304). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk, and its accuracy above roughly $10B in assets is not established, so a low score is not evidence of safety. See the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: banks with under $100M in assets (536 banks) · Industry averages as of Q2 2026.
CET1 of 39.10% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 10.64% is above the 5% well-capitalized threshold.
Nonperforming loans at 0.00% are within industry-normal range.
Texas Ratio of 0.0% is well below the 100% historical failure threshold.
Efficiency ratio of 76.5% is elevated, suggesting cost-to-revenue pressure.
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 39.10% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 0.00% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 0.00% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 32.46% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 9.71% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.32% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 39.10% |
| Q1 2026 | 35.16% |
| Q4 2025 | 35.49% |
| Q3 2025 | 33.26% |
| Q2 2025 | 31.44% |
| Q1 2025 | 33.07% |
| Q4 2024 | 29.30% |
| Q3 2024 | 30.14% |
| Q2 2024 | 28.99% |
| Q1 2024 | 28.83% |
| Q4 2023 | 27.60% |
| Q3 2023 | 27.16% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 0.00% |
| Q1 2026 | 0.00% |
| Q4 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q1 2025 | 0.00% |
| Q4 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q2 2024 | 0.00% |
| Q1 2024 | 0.00% |
| Q4 2023 | 0.00% |
| Q3 2023 | 0.00% |
The First National Bank of Lipan by quarter
| Quarter end | CET1 | Noncurrent loans | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 39.10% | 0.00% | 0.00% | 0.82% |
| Mar 31, 2026 | 35.16% | 0.00% | 0.00% | 0.99% |
| Dec 31, 2025 | 35.49% | 0.00% | 0.00% | 0.36% |
| Sep 30, 2025 | 33.26% | 0.00% | 0.00% | 0.83% |
| Jun 30, 2025 | 31.44% | 0.00% | 0.00% | 0.87% |
| Mar 31, 2025 | 33.07% | 0.00% | 0.00% | 0.93% |
| Dec 31, 2024 | 29.30% | 0.00% | 0.00% | 0.53% |
| Sep 30, 2024 | 30.14% | 0.00% | 0.00% | 0.83% |
| Jun 30, 2024 | 28.99% | 0.00% | 0.00% | 0.79% |
| Mar 31, 2024 | 28.83% | 0.00% | 0.00% | 0.78% |
| Dec 31, 2023 | 27.60% | 0.00% | 0.00% | 0.55% |
| Sep 30, 2023 | 27.16% | 0.00% | 0.00% | 0.40% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is The First National Bank of Lipan FDIC insured?
Yes. The First National Bank of Lipan is an FDIC-insured commercial bank (FDIC Certificate #3303). Customer deposits are protected up to the standard FDIC insurance limit of $250,000 per depositor, per ownership category.
Is The First National Bank of Lipan well capitalized?
Yes. The First National Bank of Lipan reports a CET1 Ratio of 39.10%, comfortably above the regulatory well-capitalized threshold that its primary federal regulator, the OCC, applies under Prompt Corrective Action.
What is The First National Bank of Lipan's nonperforming loan ratio?
As of the most recent call report, The First National Bank of Lipan's nonperforming loan ratio is 0.00%. Nonperforming loans at 0.00% are within industry-normal range.
What is The First National Bank of Lipan's Texas Ratio?
The First National Bank of Lipan's Texas Ratio is 0.00%. It compares nonperforming assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
How safe is my money at any FDIC-insured bank?
FDIC insurance covers up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC typically pays insured depositors within one business day.
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Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 3303) · FFIEC NIC profile (RSSD 811457)
Explore: Full The First National Bank of Lipan profile · Other banks in TX · Metric glossary · How the call report works