First National Bank Texas dba First Convenience Bank: 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 Reserve coverage of non-performing loans: 19.03 percentage points lower than in Q1 2026, at 265.66%. First National Bank Texas dba First Convenience Bank ranks 210th of 345 Texas banks on return on assets, in the lower half at 1.28% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.28% on return on assets; First National Bank Texas dba First Convenience Bank reported 1.28% for Q2 2026, nearly level with it.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 19.71% |
| Tier 1 risk-based capital ratio | 19.71% |
| Total risk-based capital ratio | 20.98% |
| Tier 1 leverage ratio | 9.12% |
| Equity capital to assets | 6.71% |
| Tangible equity to tangible assets | 6.71% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.48% |
| Non-performing assets ratio | 0.26% |
| Net charge-off ratio | 0.87% |
| Texas ratio | 8.63% |
| Allowance for credit losses to loans | 1.27% |
| Reserve coverage of non-performing loans | 265.66% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.28% |
| Return on equity | 20.02% |
| Net interest margin | 3.83% |
| Efficiency ratio | 83.76% |
| Yield on earning assets | 4.63% |
| Cost of funds | 0.81% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 55.85% |
| Core deposits to total deposits | 97.10% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.27% |
| Securities to assets | 36.89% |
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 | 20.77% | 20.77% | 22.04% | 9.11% | 1.14% |
| Q4 2023 | 21.02% | 21.02% | 22.29% | 9.13% | 0.86% |
| Q1 2024 | 21.76% | 21.76% | 23.03% | 9.08% | 0.91% |
| Q2 2024 | 21.25% | 21.25% | 22.52% | 9.11% | 1.07% |
| Q3 2024 | 20.65% | 20.65% | 21.92% | 9.11% | 0.98% |
| Q4 2024 | 20.06% | 20.06% | 21.33% | 9.12% | 0.97% |
| Q1 2025 | 20.39% | 20.39% | 21.65% | 9.18% | 1.05% |
| Q2 2025 | 19.78% | 19.78% | 21.05% | 9.04% | 1.04% |
| Q3 2025 | 19.66% | 19.66% | 20.93% | 9.10% | 1.04% |
| Q4 2025 | 19.12% | 19.12% | 20.38% | 9.12% | 1.05% |
| Q1 2026 | 19.34% | 19.34% | 20.61% | 9.14% | 1.11% |
| Q2 2026 | 19.71% | 19.71% | 20.98% | 9.12% | 1.28% |
First National Bank Texas dba First Convenience Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank Texas dba First Convenience Bank, 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 First National Bank Texas dba First Convenience Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3285) · FFIEC NIC profile (RSSD 613950)