First National Trust Company: 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.
Return on assets dropped 4.37 percentage points in Q2 2026, from 51.22% to 46.85%. It was the largest change from Q1 2026 among the key lines here. Against a median of 0.98% for banks in the < $100M asset tier, First National Trust Company reported 46.85% on return on assets in Q2 2026, 45.87 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 153.75% |
| Tier 1 risk-based capital ratio | 153.75% |
| Total risk-based capital ratio | 153.75% |
| Tier 1 leverage ratio | 90.66% |
| Equity capital to assets | 84.02% |
| Tangible equity to tangible assets | 81.00% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | — |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | — |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | — |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 46.85% |
| Return on equity | 53.11% |
| Net interest margin | 0.77% |
| Efficiency ratio | 65.63% |
| Yield on earning assets | 0.77% |
| Cost of funds | — |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | — |
| Core deposits to total deposits | — |
| Brokered deposits to total deposits | — |
| Deposits to assets | 0.00% |
| Securities to assets | — |
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 | 165.80% | 165.80% | 165.80% | 96.36% | 40.28% |
| Q4 2023 | 156.19% | 156.19% | 156.19% | 91.01% | 41.98% |
| Q1 2024 | 163.83% | 163.83% | 163.83% | 98.34% | 45.49% |
| Q2 2024 | 154.72% | 154.72% | 154.72% | 84.63% | 41.19% |
| Q3 2024 | 159.17% | 159.17% | 159.17% | 82.89% | 38.49% |
| Q4 2024 | 158.42% | 158.42% | 158.42% | 85.23% | 35.55% |
| Q1 2025 | 163.53% | 163.53% | 163.53% | 94.48% | 48.07% |
| Q2 2025 | 152.39% | 152.39% | 152.39% | 78.78% | 36.41% |
| Q3 2025 | 161.12% | 161.12% | 161.12% | 92.49% | 52.37% |
| Q4 2025 | 150.53% | 150.53% | 150.53% | 89.09% | 49.07% |
| Q1 2026 | 151.13% | 151.13% | 151.13% | 90.35% | 51.22% |
| Q2 2026 | 153.75% | 153.75% | 153.75% | 90.66% | 46.85% |
First National Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Trust Company, 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 Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FFIEC NIC profile (RSSD 3229875)