The First National Bank of Lipan: 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 Securities to assets: 3.36 percentage points lower than in Q1 2026, at 12.58%. The First National Bank of Lipan ranks 286th of 345 Texas banks on return on assets, in the lower half at 0.82% (Q2 2026). The First National Bank of Lipan reported 0.82% on return on assets for Q2 2026, 0.17 points below the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 39.10% |
| Tier 1 risk-based capital ratio | 39.10% |
| Total risk-based capital ratio | 40.34% |
| Tier 1 leverage ratio | 10.64% |
| Equity capital to assets | 10.85% |
| Tangible equity to tangible assets | 10.85% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.19% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.82% |
| Return on equity | 7.75% |
| Net interest margin | 4.36% |
| Efficiency ratio | 76.47% |
| Yield on earning assets | 4.50% |
| Cost of funds | 0.14% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 32.46% |
| Core deposits to total deposits | 97.82% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.08% |
| Securities to assets | 12.58% |
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 | 27.16% | 27.16% | 28.23% | 7.77% | 0.40% |
| Q4 2023 | 27.60% | 27.60% | 28.68% | 8.03% | 0.55% |
| Q1 2024 | 28.83% | 28.83% | 29.93% | 8.51% | 0.78% |
| Q2 2024 | 28.99% | 28.99% | 30.07% | 8.99% | 0.79% |
| Q3 2024 | 30.14% | 30.14% | 31.23% | 9.05% | 0.83% |
| Q4 2024 | 29.30% | 29.30% | 30.34% | 9.21% | 0.53% |
| Q1 2025 | 33.07% | 33.07% | 34.22% | 9.70% | 0.93% |
| Q2 2025 | 31.44% | 31.44% | 32.51% | 9.95% | 0.87% |
| Q3 2025 | 33.26% | 33.26% | 34.37% | 9.26% | 0.83% |
| Q4 2025 | 35.49% | 35.49% | 36.67% | 9.70% | 0.36% |
| Q1 2026 | 35.16% | 35.16% | 36.29% | 10.25% | 0.99% |
| Q2 2026 | 39.10% | 39.10% | 40.34% | 10.64% | 0.82% |
The First National Bank of Lipan 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 Lipan, 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 Lipan profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3303) · FFIEC NIC profile (RSSD 811457)