The First National Bank of Stanton: 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 Q3 2026 was in Reserve coverage of non-performing loans: 16488.37 percentage points higher than in Q2 2026, at 16708.33%. On return on assets, The First National Bank of Stanton ranks 7th highest among the 345 banks headquartered in Texas, at 3.12% (Q3 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, The First National Bank of Stanton reported 3.12% on return on assets in Q3 2026, 1.87 points higher; the peer median is as of Q2 2026.
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | 42.83% |
| Tier 1 risk-based capital ratio | 42.83% |
| Total risk-based capital ratio | 44.08% |
| Tier 1 leverage ratio | 19.21% |
| Equity capital to assets | 17.16% |
| Tangible equity to tangible assets | 17.16% |
Asset quality
| Line item | Q3 2026 |
|---|---|
| Non-performing loans to loans | 0.01% |
| Non-performing assets ratio | 0.04% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 0.22% |
| Allowance for credit losses to loans | 2.04% |
| Reserve coverage of non-performing loans | 16708.33% |
Earnings
| Line item | Q3 2026 |
|---|---|
| Return on assets | 3.12% |
| Return on equity | 18.18% |
| Net interest margin | 4.34% |
| Efficiency ratio | 29.87% |
| Yield on earning assets | 4.91% |
| Cost of funds | 0.76% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 31.83% |
| Core deposits to total deposits | 95.00% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 82.56% |
| Securities to assets | 60.66% |
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 |
|---|---|---|---|---|---|
| Q4 2023 | 31.49% | 31.49% | 32.74% | 14.15% | 2.30% |
| Q1 2024 | 32.24% | 32.24% | 33.48% | 14.33% | 2.58% |
| Q2 2024 | 32.47% | 32.47% | 33.72% | 15.28% | 2.71% |
| Q3 2024 | 32.87% | 32.87% | 34.12% | 14.61% | 2.46% |
| Q4 2024 | 33.34% | 33.34% | 34.59% | 14.16% | 2.63% |
| Q1 2025 | 34.61% | 34.61% | 35.87% | 14.60% | 2.44% |
| Q2 2025 | 36.31% | 36.31% | 37.56% | 15.51% | 2.75% |
| Q3 2025 | 37.34% | 37.34% | 38.60% | 16.09% | 2.44% |
| Q4 2025 | 35.15% | 35.15% | 36.40% | 15.46% | 2.63% |
| Q1 2026 | 36.51% | 36.51% | 37.76% | 15.79% | 2.50% |
| Q2 2026 | 40.14% | 40.14% | 41.39% | 17.49% | 2.57% |
| Q3 2026 | 42.83% | 42.83% | 44.08% | 19.21% | 3.12% |
The First National Bank of Stanton 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 Stanton, 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 Stanton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5536) · FFIEC NIC profile (RSSD 458665)