Bank Safety Analysis
Is First National Bank of Pasco Safe? Dade City, Florida
Based on its Q3 2026 call report, First National Bank of Pasco meets the community bank leverage ratio test for well capitalized, its Texas ratio is 1.10%, and its deposits are FDIC insured up to $250,000 per depositor.
BankRegReports is independent of First National Bank of Pasco and never asks for online banking logins or passwords.
Short answer: is First National Bank of Pasco safe?
On its Q3 2026 call report, First National Bank of Pasco's Community Bank Leverage Ratio is 10.37%, above the 8% threshold that makes a community bank well capitalized.
- CET1 ratio (Q3 2026): not reported (community bank leverage ratio filer)
- Community Bank Leverage Ratio (Q3 2026): 10.37%
- Texas ratio (Q3 2026): 1.10%
- Noncurrent loans ratio (Q3 2026): 0.35%
First National Bank of Pasco is an FDIC-insured commercial bank (FDIC Certificate #26829). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report First National Bank of Pasco (FDIC Certificate #26829) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
Get an email when First National Bank of Pasco files its next quarter, so you can check this answer again. Free account, no card.
First National Bank of Pasco is outside the pass range on 1 of 5 safety dimensions: operating efficiency. Capital and leverage are above their regulatory minimums. The failed band is a BankRegReports band, not a supervisory threshold.
The standout move of Q3 2026 was in return on assets: 0.63 percentage points lower than in Q2 2026, at -0.26%. First National Bank of Pasco ranks 43rd of 81 Florida banks on leverage ratio, in the lower half at 10.37% (Q3 2026). First National Bank of Pasco reported 10.37% on leverage ratio for Q3 2026, 0.72 points below the 11.09% median for banks in the $100M-1B asset tier.
From Q4 2023 to Q3 2026, First National Bank of Pasco's Texas ratio ranged between 0.00% (Q2 2024) and 3.67% (Q2 2025). Between Q3 2025 and Q3 2026, First National Bank of Pasco's nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 0.38% to 0.35%, Texas ratio fell from 1.35% to 1.10% and return on assets rose from -0.30% to -0.26%.
By total assets at Q3 2026, First National Bank of Pasco is the 60th largest of the 81 banks headquartered in Florida. Non-owner-occupied commercial real estate loans are its largest loan category, $48.1M of $164.5M in total loans on its September 30, 2026 call report. Against the 2,730 banks with $100M to $1B in assets for Q3 2026, First National Bank of Pasco's community bank leverage ratio of 10.37% is below the 11.09% median, nonperforming loans ratio of 0.35% is below the 0.43% median, Texas ratio of 1.10% is below the 2.96% median, and efficiency ratio of 108.45% is above the 61.25% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
First National Bank of Pasco's composite risk score is 1.71 out of 100, on the model's 1-year horizon. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. How the failure model was trained and tested.
The risk tier comes from the composite score; the 12-month figure rounds to zero for this bank, so it is not shown beside a tier above Low.
How does First National Bank of Pasco score on capital, credit and costs?
Peer cohort: $100M to $1B (2,646 banks) · Industry averages as of Q3 2026.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 11.09%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 11.09%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 0.43%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 2.96%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 61.25%.
Does First National Bank of Pasco trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | — | Not reported |
| Texas ratio BankRegReports band | 1.10% | Within range |
| Nonperforming loan ratio BankRegReports band | 0.35% | Within range |
| Uninsured deposit share BankRegReports band | — | Not reported |
| Loan-to-deposit ratio BankRegReports band | 68.96% | Within range |
| Commercial real estate to capital supervisory threshold | 196.38% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 1.10% |
| Q2 2026 | 1.07% |
| Q1 2026 | 1.27% |
| Q4 2025 | 1.27% |
| Q3 2025 | 1.35% |
| Q2 2025 | 3.67% |
| Q1 2025 | 0.68% |
| Q4 2024 | 0.57% |
| Q3 2024 | 0.39% |
| Q2 2024 | 0.00% |
| Q1 2024 | 1.23% |
| Q4 2023 | 1.19% |
Loans by type, Q3 2026
- Non-owner-occupied commercial real estate loans: $48.1M
- Commercial and industrial loans: $45.6M
- 1-4 family residential loans: $30.0M
- Owner-occupied commercial real estate loans: $14.1M
- Construction and land development loans: $11.6M
- Other revolving consumer credit: $10.0M
- Multifamily loans: $2.7M
- Other consumer loans: $2.4M
How have First National Bank of Pasco's safety ratios changed?
| Quarter end | Total assets | Leverage (CBLR) | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|
| Sep 30, 2026 | $283.2M | 10.37% | 0.35% | 1.10% | 108.45% |
| Jun 30, 2026 | $280.0M | 10.23% | 0.36% | 1.07% | 87.58% |
| Mar 31, 2026 | $286.3M | 10.04% | 0.36% | 1.27% | 88.12% |
| Dec 31, 2025 | $287.3M | 9.63% | 0.35% | 1.27% | 87.68% |
| Sep 30, 2025 | $298.4M | 9.28% | 0.38% | 1.35% | 107.89% |
| Jun 30, 2025 | $310.1M | 9.15% | 0.40% | 3.67% | 93.92% |
| Mar 31, 2025 | $319.0M | 9.18% | 0.07% | 0.68% | 95.68% |
| Dec 31, 2024 | $311.2M | 9.26% | 0.06% | 0.57% | 100.06% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is First National Bank of Pasco FDIC insured?
Yes. First National Bank of Pasco is an FDIC-insured commercial bank (FDIC Certificate #26829). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is First National Bank of Pasco well capitalized?
On its Q3 2026 call report, First National Bank of Pasco's Community Bank Leverage Ratio is 10.37%, above the 8% threshold that makes a community bank well capitalized. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the OCC, applies.
What are First National Bank of Pasco's key safety ratios?
For Q3 2026, First National Bank of Pasco reports leverage 10.37%, Texas ratio 1.10%, noncurrent loans 0.35%. Its Texas ratio compares with the 2.96% median for the 2,730 banks with $100M to $1B in assets.
What happens to my deposits if First National Bank of Pasco fails?
For Q3 2026, First National Bank of Pasco reported $238.6M in total deposits. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
Add this badge to your website
Free to use and updated each quarter. It states no rating or capital category.
Where does this data come from?
Not investment advice. See the full First National Bank of Pasco profile.
How we score this
First National Bank of Pasco elects the community bank leverage ratio, so it reports no risk-based capital ratios. Under Prompt Corrective Action (12 CFR 324.403) and that framework it is well capitalized above 8% from July 1, 2026 (9% before), with a grace band one point below. Banks that do not elect it are graded on the CET1 ratio and the Tier 1 and total capital ratios.
First National Bank of Pasco fails or is near these bands: Efficiency Ratio, pass ≤ 75% (lower is better) and fail ≥ 90%. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 26829) · FFIEC NIC profile (RSSD 82033)
Explore: Full First National Bank of Pasco profile · Other banks in FL · Metric glossary · How the call report works
Ratio definitions: loan to deposit ratio, net interest margin, efficiency ratio, CET1 ratio, tier 1 capital and PPNR.