The First National Bank of Quitaque
Also written as FNB of Quitaque
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Data as of · sourced from FFIEC call reports. How we update
The First National Bank of Quitaque is an FDIC-insured commercial bank headquartered in Quitaque, TX, established in 1920 (FDIC certificate 3401), and it is supervised by the OCC. At Q2 2026 it reported total assets of $167.1M, up 11.4% from Q2 2025, the 270th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.59% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3401
- Headquarters
- Quitaque, TX
- Established
- 1920
- Total assets, Q2 2026
- $167.1M
- Assets vs Q2 2025
- +11.4%
- Tier 1 leverage ratio, Q2 2026
- 10.59%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 111319538
- Latest call report
- Q2 2026, FFIEC 051 · The First National Bank of Quitaque Q3 2026 call report, filed October 21, 2026 (preliminary)
- Holding company
- QUITAQUE NATIONAL CORPORATION OF DELAWARE
- Asset rank in state
- 270th of 346 in Texas
The First National Bank of Quitaque, based in Quitaque, Texas, reported $167 million in assets at June 30, 2026, up 11.4% from a year earlier. It shrank its loan book 3.5% over the year, lower than about three-quarters of the 2,627 banks with $100 million to $1 billion in assets (median 5.5%). It also spends about 47 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 61 cents).
Loans and deposits moved in opposite directions: over the year loans fell 3.5% and deposits rose 11.3%. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 1.71% of loans, down from 2.10% a year earlier.
As of June 30, 2026, The First National Bank of Quitaque reported a return on assets of 1.37%, a nonperforming-loan ratio of 1.71% and a Texas ratio of 5.14%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The First National Bank of Quitaque is the 270th largest of the 346 banks headquartered in Texas. From Q1 2026 to Q2 2026, its total assets fell 0.5% to $167.1M, loans rose 7.7% and deposits fell 1.0%. The largest part of its loan book on June 30, 2026 was agricultural production loans, at 54.3% of total loans, ahead of farmland and other real estate loans at 19.9%. Its 3 offices in the FDIC Summary of Deposits are in Quitaque, TX, Tulia, TX and Silverton, TX; its Quitaque office books 66% of its branch deposits. Judged on its Q2 2026 call report, The First National Bank of Quitaque meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 320 E Main St, Quitaque, TX 79255
- County
- Briscoe
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- August 20, 1920
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 18
- Domestic deposits
- $147.4M
- Allowance for credit losses
- $857K
- Net charge-offs (YTD)
- $203K
- Average total assets
- $168.6M
- Average total loans
- $53.4M
- Average interest-bearing deposits
- $105.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3401
- Fed RSSD
- 644963
- Website
- www.fnbquitaque.com →
- Parent Holding Company
- QUITAQUE NATIONAL CORPORATION OF DELAWARE (RSSD 3141043)
- Ultimate Parent
- QUITAQUE NATIONAL CORPORATION (RSSD 3141034)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The First National Bank of Quitaque reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The First National Bank of Quitaque's total assets ranged from $131.2M (Q3 2023) to $167.9M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$167.1M total assets against $150.1M; $149.3M total liabilities against $134.3M.
$55.3M net loans and leases against $57.2M; $147.4M total deposits against $132.5M.
$29.3M securities against $23.2M; $77.0M cash and balances due against $64.0M.
$2.1M total interest income against $2.1M; $677K total interest expense against $677K.
$1.4M net interest income against $1.4M.
$118K total noninterest income against $110K; $725K total noninterest expense against $722K.
$100K provision for credit losses against $43K.
$577K net income against $624K.
1.37% return on assets against 1.70%; 3.56% net interest margin against 4.17%.
10.59% tier 1 leverage ratio against 10.74%.
Inside the full The First National Bank of Quitaque terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe First National Bank of Quitaque rankings
Its closest position to the top of a national ranking is 538 of 3,606, for efficiency ratio; its furthest is 3,175 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.06% (Q3 2024) to 1.87% (Q4 2024) and its net interest margin ran from 3.52% (Q1 2026) to 4.80% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.59% | 1.37% | 1.71% | 5.14% | 3.56% |
| Q1 2026 | 10.55% | 1.35% | 2.26% | 6.45% | 3.52% |
| Q4 2025 | 10.78% | 1.80% | 1.56% | 5.47% | 3.97% |
| Q3 2025 | 10.80% | 1.48% | 1.65% | 5.86% | 4.25% |
| Q2 2025 | 10.74% | 1.70% | 2.10% | 7.28% | 4.17% |
| Q1 2025 | 10.43% | 1.10% | 1.88% | 7.15% | 4.18% |
| Q4 2024 | 10.47% | 1.87% | 2.34% | 9.39% | 4.42% |
| Q3 2024 | 10.34% | 1.06% | 1.55% | 6.45% | 4.80% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The First National Bank of Quitaque | Quitaque , TX | 79255 | $97.6M |
| First National Bank, Tullia | Tulia , TX | 79088 | $30.5M |
| First National Bank, Silverton Branch | Silverton , TX | 79257 | $19.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 328 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $15K approved, $15K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1999 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The First National Bank of Quitaque
What are The First National Bank of Quitaque's total assets?
As of the Q2 2026 filing, The First National Bank of Quitaque reported total assets of $167.1 million in its FFIEC call report.
Where is The First National Bank of Quitaque headquartered?
It is headquartered in Quitaque, TX, United States.
When was The First National Bank of Quitaque founded?
It was established in 1920, per the FDIC institution directory.
Is The First National Bank of Quitaque FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3401). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The First National Bank of Quitaque?
The First National Bank of Quitaque's primary federal regulator is the OCC.
How many branches does The First National Bank of Quitaque operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The First National Bank of Quitaque's Texas Ratio?
Its Texas Ratio is 5.14% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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