First Texas 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: 716.95 percentage points lower than in Q1 2026, at 86.06%. Within Texas, First Texas Bank is 75th of 345 on return on assets, 1.96% as of Q2 2026. Against a median of 1.27% for banks in the $1B-10B asset tier, First Texas Bank reported 1.96% on return on assets in Q2 2026, 0.68 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 20.48% |
| Tier 1 risk-based capital ratio | 20.48% |
| Total risk-based capital ratio | 20.89% |
| Tier 1 leverage ratio | 11.25% |
| Equity capital to assets | 11.05% |
| Tangible equity to tangible assets | 11.05% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.58% |
| Non-performing assets ratio | 0.65% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 5.75% |
| Allowance for credit losses to loans | 0.50% |
| Reserve coverage of non-performing loans | 86.06% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.96% |
| Return on equity | 17.50% |
| Net interest margin | 3.83% |
| Efficiency ratio | 40.17% |
| Yield on earning assets | 4.55% |
| Cost of funds | 0.78% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 49.45% |
| Core deposits to total deposits | 93.19% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.53% |
| Securities to assets | 44.70% |
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 | 19.27% | 19.27% | 19.64% | 9.95% | 1.24% |
| Q4 2023 | 19.82% | 19.82% | 20.22% | 10.30% | 1.13% |
| Q1 2024 | 19.75% | 19.75% | 20.12% | 10.61% | 1.10% |
| Q2 2024 | 19.52% | 19.52% | 19.88% | 10.50% | 1.11% |
| Q3 2024 | 19.78% | 19.78% | 20.14% | 10.60% | 1.16% |
| Q4 2024 | 20.08% | 20.08% | 20.46% | 10.83% | 2.39% |
| Q1 2025 | 20.29% | 20.29% | 20.67% | 10.96% | 1.29% |
| Q2 2025 | 19.57% | 19.57% | 19.95% | 10.90% | 1.41% |
| Q3 2025 | 19.16% | 19.16% | 19.54% | 10.83% | 1.70% |
| Q4 2025 | 19.45% | 19.45% | 19.85% | 10.92% | 1.80% |
| Q1 2026 | 19.75% | 19.75% | 20.16% | 11.14% | 1.79% |
| Q2 2026 | 20.48% | 20.48% | 20.89% | 11.25% | 1.96% |
First Texas Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Texas 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 Texas Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11935) · FFIEC NIC profile (RSSD 444350)