First Texas National 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.
Core deposits to total deposits dropped 2.95 percentage points in Q2 2026, from 82.40% to 79.46%. It was the largest change from Q1 2026 among the key lines here. Among 345 Texas banks, First Texas National Bank sits 6th from the top on return on assets, 3.24% as of Q2 2026. Against a median of 1.25% for banks in the $100M-1B asset tier, First Texas National Bank reported 3.24% on return on assets in Q2 2026, 1.99 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.69% |
| Equity capital to assets | 9.53% |
| Tangible equity to tangible assets | 9.53% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.33% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 3.20% |
| Allowance for credit losses to loans | 0.84% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 3.24% |
| Return on equity | 34.29% |
| Net interest margin | 5.15% |
| Efficiency ratio | 45.53% |
| Yield on earning assets | 7.22% |
| Cost of funds | 2.31% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.15% |
| Core deposits to total deposits | 79.46% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.02% |
| Securities to assets | 4.07% |
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 | 11.18% | 1.36% | 3.72% | 0.00% | -0.00% |
| Q4 2023 | 10.42% | 1.72% | 3.96% | 0.00% | 0.00% |
| Q1 2024 | 10.79% | 1.66% | 3.46% | 0.00% | 0.01% |
| Q2 2024 | 11.61% | 2.30% | 3.65% | 0.13% | -0.01% |
| Q3 2024 | 10.92% | 1.13% | 3.61% | 0.00% | 0.47% |
| Q4 2024 | 9.77% | 1.45% | 4.19% | 0.00% | 0.02% |
| Q1 2025 | 10.38% | 1.85% | 4.29% | 0.00% | 0.00% |
| Q2 2025 | 10.84% | 2.12% | 4.53% | 0.70% | 0.00% |
| Q3 2025 | 10.68% | 2.33% | 4.93% | 0.00% | 0.00% |
| Q4 2025 | 9.22% | 2.18% | 4.80% | 0.44% | -0.00% |
| Q1 2026 | 9.88% | 2.45% | 4.92% | 0.00% | 0.04% |
| Q2 2026 | 9.69% | 3.24% | 5.15% | 0.00% | 0.00% |
First Texas National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Texas National 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3197) · FFIEC NIC profile (RSSD 393252)