The First National Bank of McGregor: 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 3.96 percentage points in Q2 2026, from 58.84% to 54.88%. It was the largest change from Q1 2026 among the key lines here. Within Texas, The First National Bank of McGregor is 219th of 345 on return on assets, 1.23% as of Q2 2026, below the middle of the field. The First National Bank of McGregor reported 1.23% on return on assets for Q2 2026, 0.04 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.06% |
| Tier 1 risk-based capital ratio | 12.06% |
| Total risk-based capital ratio | 13.31% |
| Tier 1 leverage ratio | 9.55% |
| Equity capital to assets | 8.47% |
| Tangible equity to tangible assets | 8.47% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.40% |
| Non-performing assets ratio | 2.30% |
| Net charge-off ratio | 0.50% |
| Texas ratio | 26.88% |
| Allowance for credit losses to loans | 1.32% |
| Reserve coverage of non-performing loans | 54.88% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.23% |
| Return on equity | 14.08% |
| Net interest margin | 4.31% |
| Efficiency ratio | 61.95% |
| Yield on earning assets | 7.42% |
| Cost of funds | 3.19% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.26% |
| Core deposits to total deposits | 67.46% |
| Brokered deposits to total deposits | 14.35% |
| Deposits to assets | 88.26% |
| Securities to assets | 6.19% |
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 | 13.52% | 13.52% | 14.77% | 10.29% | 0.69% |
| Q4 2023 | 13.68% | 13.68% | 14.93% | 10.43% | 0.79% |
| Q1 2024 | 13.39% | 13.39% | 14.64% | 10.11% | 0.51% |
| Q2 2024 | 12.75% | 12.75% | 13.95% | 10.36% | 0.97% |
| Q3 2024 | 12.61% | 12.61% | 13.81% | 10.01% | 0.87% |
| Q4 2024 | 12.49% | 12.49% | 13.69% | 10.00% | 1.41% |
| Q1 2025 | 12.60% | 12.60% | 13.85% | 9.68% | 1.02% |
| Q2 2025 | 12.97% | 12.97% | 14.20% | 10.06% | 1.04% |
| Q3 2025 | 11.99% | 11.99% | 13.24% | 9.36% | 1.25% |
| Q4 2025 | 11.72% | 11.72% | 12.98% | 9.45% | 0.88% |
| Q1 2026 | 11.93% | 11.93% | 13.19% | 9.41% | 1.01% |
| Q2 2026 | 12.06% | 12.06% | 13.31% | 9.55% | 1.23% |
The First National Bank of McGregor 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 McGregor, 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 McGregor profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3330) · FFIEC NIC profile (RSSD 895055)