The First National Bank of Quitaque: 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 climbed 9.71 percentage points in Q2 2026, from 80.78% to 90.50%. It was the largest change from Q1 2026 among the key lines here. Within Texas, The First National Bank of Quitaque is 194th of 345 on return on assets, 1.37% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The First National Bank of Quitaque sits 0.11 points higher, at 1.37% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.59% |
| Equity capital to assets | 10.64% |
| Tangible equity to tangible assets | 10.64% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.69% |
| Non-performing assets ratio | 0.57% |
| Net charge-off ratio | 1.45% |
| Texas ratio | 5.14% |
| Allowance for credit losses to loans | 1.53% |
| Reserve coverage of non-performing loans | 90.50% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.37% |
| Return on equity | 13.16% |
| Net interest margin | 3.56% |
| Efficiency ratio | 46.93% |
| Yield on earning assets | 5.25% |
| Cost of funds | 1.83% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 38.06% |
| Core deposits to total deposits | 90.97% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.23% |
| Securities to assets | 17.52% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.49% | 1.43% | 4.85% | 2.56% | 1.77% |
| Q4 2023 | 9.48% | 2.15% | 4.86% | 2.61% | 0.02% |
| Q1 2024 | 9.50% | 1.48% | 4.18% | 2.29% | 1.99% |
| Q2 2024 | 10.04% | 1.85% | 4.47% | 2.59% | -0.05% |
| Q3 2024 | 10.34% | 1.06% | 4.80% | 1.55% | 3.36% |
| Q4 2024 | 10.47% | 1.87% | 4.42% | 2.33% | -0.04% |
| Q1 2025 | 10.43% | 1.10% | 4.18% | 1.88% | 2.24% |
| Q2 2025 | 10.74% | 1.70% | 4.17% | 2.05% | 0.14% |
| Q3 2025 | 10.80% | 1.48% | 4.25% | 1.65% | 0.32% |
| Q4 2025 | 10.78% | 1.80% | 3.97% | 1.56% | -0.34% |
| Q1 2026 | 10.55% | 1.35% | 3.52% | 2.26% | 0.07% |
| Q2 2026 | 10.59% | 1.37% | 3.56% | 1.69% | 1.45% |
The First National Bank of Quitaque 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 Quitaque, 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 Quitaque profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3401) · FFIEC NIC profile (RSSD 644963)