Newfirst National Bank
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Data as of · sourced from FFIEC call reports. How we update
Newfirst National Bank is an FDIC-insured commercial bank headquartered in El Campo, TX, established in 1902 (FDIC certificate 3183), and it is supervised by the OCC. At Q2 2026 it reported total assets of $934.9M, up 2.9% from Q2 2025, the 101st largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.47% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3183
- Headquarters
- El Campo, TX
- Established
- 1902
- Total assets, Q2 2026
- $934.9M
- Assets vs Q2 2025
- +2.9%
- Tier 1 leverage ratio, Q2 2026
- 12.47%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 113104796
- Latest call report
- Q2 2026, FFIEC 051 · Newfirst National Bank call report
- Holding company
- NEWFIRST FINANCIAL GROUP, INC.
- Asset rank in state
- 101st of 346 in Texas
Newfirst National Bank is one of the more profitable banks of its size. It reported $935 million in assets at June 30, 2026, up 2.9% from a year earlier. It earns about $3.32 a year on every $100 of assets, 2.6 times the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 39 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
Loans and deposits moved in opposite directions: over the year loans fell 1.5% and deposits rose 2.5%. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.21% of loans, down from 0.33% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.8 times its capital, 2.3 times the median of 1.2 times for banks its size.
As of June 30, 2026, Newfirst National Bank reported a return on assets of 3.32%, a nonperforming-loan ratio of 0.21% and a Texas ratio of 1.26%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Newfirst National Bank is the 101st largest of the 346 banks headquartered in Texas. Between Q1 2026 and Q2 2026, its total assets fell 2.2% to $934.9M, loans rose 0.3% and deposits fell 2.7%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 29.3% of total loans, ahead of construction and land development loans at 18.1%. The FDIC Summary of Deposits lists 9 offices for it, in 7 cities in TX; its El Campo 2 offices book 29% of its branch deposits. Judged on its Q2 2026 call report, Newfirst National Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 200 E Jackson St, El Campo, TX 77437
- County
- Wharton
- Metro Area
- El Campo, TX
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1902
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 89
- Domestic deposits
- $810.9M
- Allowance for credit losses
- $9.6M
- Net charge-offs (YTD)
- $27K
- Average total assets
- $937.7M
- Average total loans
- $693.3M
- Average interest-bearing deposits
- $597.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3183
- Fed RSSD
- 938859
- SEC CIK
- 1418561 → filed by NEWFIRST FINANCIAL GROUP, INC.
- Website
- WWW.NEWFIRST.COM →
- Parent Holding Company
- NEWFIRST FINANCIAL GROUP, INC. (RSSD 3213922)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Newfirst National Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Newfirst National Bank's total assets moved between a low of $908.4M (Q2 2025) and a high of $977.5M (Q3 2023) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$934.9M total assets against $908.4M; $819.3M total liabilities against $798.7M.
$685.7M net loans and leases against $695.9M; $810.9M total deposits against $790.8M.
$50.0M securities against $56.2M; $161.4M cash and balances due against $118.8M.
$14.8M total interest income against $15.3M; $2.9M total interest expense against $3.3M.
$11.8M net interest income against $12.0M.
$989K total noninterest income against $988K; $5.0M total noninterest expense against $4.6M.
$0 provision for credit losses against $0.
$7.8M net income against $8.4M.
3.32% return on assets against 3.61%; 5.24% net interest margin against 5.39%.
12.47% tier 1 leverage ratio against 12.09%.
Inside the full Newfirst National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Newfirst National Bank rankings
Its closest position to the top of a national ranking is 49 of 3,611, for ROA; its furthest is 2,568 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 2.98% (Q1 2025) to 3.66% (Q3 2025) and its net interest margin ran from 5.20% (Q1 2026) to 5.54% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.47% | 3.32% | 0.21% | 1.26% | 5.24% |
| Q1 2026 | 12.32% | 3.25% | 0.70% | 3.92% | 5.20% |
| Q4 2025 | 12.06% | 3.61% | 1.00% | 5.78% | 5.30% |
| Q3 2025 | 12.27% | 3.66% | 0.18% | 1.05% | 5.54% |
| Q2 2025 | 12.09% | 3.61% | 0.33% | 2.04% | 5.39% |
| Q1 2025 | 12.08% | 2.98% | 0.35% | 2.15% | 5.21% |
| Q4 2024 | 11.87% | 3.50% | 0.27% | 1.68% | 5.42% |
| Q3 2024 | 12.55% | 3.62% | 0.31% | 1.79% | 5.47% |
Swipe the table sideways to see every column.
Branch Network
View all 9 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Newfirst National Bank (main office) | El Campo , TX | 77437 | $235.2M |
| Rosenberg Branch | Rosenberg , TX | 77471 | $168.2M |
| Creekbend Branch | Sugar Land , TX | 77478 | $155.3M |
| Victoria Branch | Victoria , TX | 77904 | $124.4M |
| Needville Branch | Needville , TX | 77461 | $48.1M |
| Edna Branch | Edna , TX | 77957 | $41.4M |
| Wharton Branch | Wharton , TX | 77488 | $38.1M |
| Wharton Drive-In Branch | Wharton , TX | 77488 | $0 |
| Detached Drive-In Facility | El Campo , TX | 77437 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 19, 1989 | Structure Change | Acquired Security Bank and Trust Company Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| May 18, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action November 26, 2018. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 134 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 40 applications, 40 loans originated, $14.9M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $3.3M approved, $1.1M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Newfirst National Bank
What are Newfirst National Bank's total assets?
As of the Q2 2026 filing, Newfirst National Bank reported total assets of $934.9 million in its FFIEC call report.
Where is Newfirst National Bank headquartered?
It is headquartered in El Campo, TX, United States.
When was Newfirst National Bank founded?
It was established in 1902, per the FDIC institution directory.
Is Newfirst National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3183). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Newfirst National Bank?
Newfirst National Bank's primary federal regulator is the OCC.
How many branches does Newfirst National Bank operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Newfirst National Bank's Texas Ratio?
Its Texas Ratio is 1.26% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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