Newfirst 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.
Reserve coverage of non-performing loans climbed 111.83 percentage points in Q2 2026, from 554.05% to 665.88%. It was the largest change from Q1 2026 among the key lines here. Among 345 Texas banks, Newfirst National Bank sits 5th from the top on return on assets, 3.32% as of Q2 2026. Against a median of 1.25% for banks in the $100M-1B asset tier, Newfirst National Bank reported 3.32% on return on assets in Q2 2026, 2.07 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 | 12.47% |
| Equity capital to assets | 12.37% |
| Tangible equity to tangible assets | 12.37% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.21% |
| Non-performing assets ratio | 0.17% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 1.26% |
| Allowance for credit losses to loans | 1.38% |
| Reserve coverage of non-performing loans | 665.88% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 3.32% |
| Return on equity | 26.97% |
| Net interest margin | 5.24% |
| Efficiency ratio | 39.17% |
| Yield on earning assets | 6.55% |
| Cost of funds | 1.43% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.76% |
| Core deposits to total deposits | 98.70% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.73% |
| Securities to assets | 5.35% |
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 | 10.75% | 3.61% | 5.06% | 0.11% | -0.13% |
| Q4 2023 | 11.37% | 3.38% | 5.20% | 0.11% | 0.02% |
| Q1 2024 | 11.94% | 3.38% | 5.28% | 0.14% | -0.09% |
| Q2 2024 | 11.83% | 3.49% | 5.37% | 0.15% | 0.03% |
| Q3 2024 | 12.55% | 3.62% | 5.47% | 0.29% | 0.01% |
| Q4 2024 | 11.87% | 3.50% | 5.42% | 0.27% | -0.00% |
| Q1 2025 | 12.08% | 2.98% | 5.21% | 0.35% | -0.01% |
| Q2 2025 | 12.09% | 3.61% | 5.39% | 0.33% | -0.00% |
| Q3 2025 | 12.27% | 3.66% | 5.54% | 0.18% | 0.01% |
| Q4 2025 | 12.06% | 3.61% | 5.30% | 0.35% | -0.35% |
| Q1 2026 | 12.32% | 3.25% | 5.20% | 0.25% | 0.00% |
| Q2 2026 | 12.47% | 3.32% | 5.24% | 0.21% | 0.01% |
Newfirst National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Newfirst 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 Newfirst National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3183) · FFIEC NIC profile (RSSD 938859)