First National Bankers 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: 26.25 percentage points higher than in Q1 2026, at 404.05%. Within Louisiana, First National Bankers Bank is 74th of 103 on return on assets, 0.84% 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. First National Bankers Bank sits 0.41 points lower, at 0.84% (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 | 16.14% |
| Equity capital to assets | 16.83% |
| Tangible equity to tangible assets | 16.79% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.78% |
| Non-performing assets ratio | 0.43% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 2.34% |
| Allowance for credit losses to loans | 3.17% |
| Reserve coverage of non-performing loans | 404.05% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.84% |
| Return on equity | 5.38% |
| Net interest margin | 3.28% |
| Efficiency ratio | 80.66% |
| Yield on earning assets | 4.96% |
| Cost of funds | 1.97% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 141.83% |
| Core deposits to total deposits | 100.00% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 39.06% |
| Securities to assets | 6.53% |
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 | 16.81% | 0.39% | 3.25% | 0.14% | -0.00% |
| Q4 2023 | 16.33% | 0.46% | 3.30% | 0.11% | -0.00% |
| Q1 2024 | 17.28% | 0.88% | 3.55% | 0.73% | -0.09% |
| Q2 2024 | 17.94% | 0.92% | 3.60% | 0.18% | -0.15% |
| Q3 2024 | 17.39% | 0.93% | 3.53% | 0.25% | -0.00% |
| Q4 2024 | 16.84% | 0.88% | 3.51% | 0.59% | -0.42% |
| Q1 2025 | 16.79% | 0.96% | 3.39% | 1.42% | -0.51% |
| Q2 2025 | 17.89% | 0.81% | 3.57% | 0.89% | -0.00% |
| Q3 2025 | 18.27% | 0.84% | 3.62% | 0.88% | -0.00% |
| Q4 2025 | 15.82% | 0.92% | 3.19% | 0.85% | -0.32% |
| Q1 2026 | 15.96% | 0.80% | 3.11% | 0.83% | -0.00% |
| Q2 2026 | 16.14% | 0.84% | 3.28% | 0.78% | -0.00% |
First National Bankers Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bankers 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 Bankers Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25247) · FFIEC NIC profile (RSSD 734538)