The First National Bank of Mertzon: 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: 6.44 percentage points higher than in Q1 2026, at 57.42%. The First National Bank of Mertzon ranks 90th of 345 Texas banks on return on assets, in the upper half at 1.83% (Q2 2026). The First National Bank of Mertzon reported 1.83% on return on assets for Q2 2026, 0.58 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 76.85% |
| Tier 1 risk-based capital ratio | 76.85% |
| Total risk-based capital ratio | 78.10% |
| Tier 1 leverage ratio | 15.75% |
| Equity capital to assets | 15.77% |
| Tangible equity to tangible assets | 15.77% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.77% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.83% |
| Return on equity | 11.76% |
| Net interest margin | 3.39% |
| Efficiency ratio | 28.94% |
| Yield on earning assets | 3.93% |
| Cost of funds | 0.62% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 21.68% |
| Core deposits to total deposits | 94.80% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.00% |
| Securities to assets | 57.42% |
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 | 62.31% | 62.31% | 63.56% | 10.43% | 1.99% |
| Q4 2023 | 60.04% | 60.04% | 61.29% | 10.86% | 1.80% |
| Q1 2024 | 67.62% | 67.62% | 68.88% | 11.60% | 1.92% |
| Q2 2024 | 75.85% | 75.85% | 77.11% | 12.06% | 2.22% |
| Q3 2024 | 83.98% | 83.98% | 85.25% | 12.10% | 2.10% |
| Q4 2024 | 84.40% | 84.40% | 85.66% | 12.10% | 1.80% |
| Q1 2025 | 88.64% | 88.64% | 89.90% | 12.77% | 1.84% |
| Q2 2025 | 85.43% | 85.43% | 86.69% | 12.87% | 2.07% |
| Q3 2025 | 89.00% | 89.00% | 90.26% | 13.53% | 1.91% |
| Q4 2025 | 90.37% | 90.37% | 91.63% | 14.70% | 1.64% |
| Q1 2026 | 84.55% | 84.55% | 85.81% | 15.48% | 1.62% |
| Q2 2026 | 76.85% | 76.85% | 78.10% | 15.75% | 1.83% |
The First National Bank of Mertzon 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 Mertzon, 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 Mertzon profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3339) · FFIEC NIC profile (RSSD 500256)