First Texoma 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.
Loan-to-deposit ratio dropped 0.95 percentage points in Q2 2026, from 76.20% to 75.25%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, First Texoma National Bank is 120th of 169 on return on assets, 1.05% as of Q2 2026, below the middle of the field. First Texoma National Bank reported 1.05% on return on assets for Q2 2026, 0.21 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.60% |
| Equity capital to assets | 10.05% |
| Tangible equity to tangible assets | 9.87% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.38% |
| Non-performing assets ratio | 2.37% |
| Net charge-off ratio | 0.37% |
| Texas ratio | 22.05% |
| Allowance for credit losses to loans | 1.35% |
| Reserve coverage of non-performing loans | 40.01% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.05% |
| Return on equity | 10.53% |
| Net interest margin | 4.86% |
| Efficiency ratio | 70.33% |
| Yield on earning assets | 5.68% |
| Cost of funds | 0.90% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.25% |
| Core deposits to total deposits | 89.35% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.76% |
| Securities to assets | 24.37% |
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 | 16.86% | 16.86% | 18.11% | 11.36% | 0.93% |
| Q4 2023 | 16.62% | 16.62% | 17.87% | 11.29% | 0.70% |
| Q1 2024 | 17.10% | 17.10% | 18.35% | 11.51% | 0.94% |
| Q2 2024 | — | — | — | 11.51% | 0.70% |
| Q3 2024 | — | — | — | 11.48% | 1.15% |
| Q4 2024 | — | — | — | 11.05% | 0.64% |
| Q1 2025 | — | — | — | 11.43% | 1.00% |
| Q2 2025 | 16.71% | 16.71% | 17.96% | 11.47% | 0.91% |
| Q3 2025 | — | — | — | 11.91% | 1.18% |
| Q4 2025 | — | — | — | 11.13% | 0.79% |
| Q1 2026 | — | — | — | 11.52% | 1.23% |
| Q2 2026 | — | — | — | 11.60% | 1.05% |
First Texoma National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Texoma 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 Texoma National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13905) · FFIEC NIC profile (RSSD 388155)