Texas First Bank: Vital Signs
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Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
On its Q3 2026 filing, Texas First Bank reported 20 of the 23 line items on this page. It elected the community bank leverage ratio, so it files no CET1 capital ratio, tier 1 risk-based capital ratio and total risk-based capital ratio; the Tier 1 leverage ratio is its capital test. Tier 1 leverage ratio was 10.29% in Q3 2026, up 0.10 percentage points from 10.20% in Q3 2025. Across the 12 quarters shown it ranged from 9.51% (Q1 2026) to 10.32% (Q4 2025).
The standout move of Q3 2026 was in Reserve coverage of nonperforming loans: 397.29 percentage points lower than in Q2 2026, at 385.56%. Within Texas, Texas First Bank is 139th of 345 on return on assets, 1.65% as of Q3 2026. The median for banks in the $1B-10B asset tier is 1.30% on return on assets. Texas First Bank sits 0.35 points higher, at 1.65% (Q3 2026).
Capital adequacy
Equity capital to assets changed the most here, up 0.24 points to 9.96% in Q3 2026 from 9.72% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | Not applicable (CBLR) |
| Tier 1 risk-based capital ratio | Not applicable (CBLR) |
| Total risk-based capital ratio | Not applicable (CBLR) |
| Tier 1 leverage ratio | 10.29% |
| Equity capital to assets | 9.96% |
| Tangible equity to tangible assets | 9.28% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies. What the community bank leverage ratio is.
Source: Call Report Schedule RC-R, Part I: Tier 1 leverage ratio (RCOA7204).
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Asset quality
| Line item | Q3 2026 |
|---|---|
| Nonperforming loans to loans | 0.33% |
| Nonperforming assets ratio | 0.20% |
| Net charge-off ratio | 0.09% |
| Texas ratio | 2.01% |
| Allowance for credit losses to loans | 1.28% |
| Reserve coverage of nonperforming loans | 385.56% |
Earnings
Return on equity moved most in this table, down 1.15 points: 18.27% in Q2 2026, 17.12% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Return on assets | 1.65% |
| Return on equity | 17.12% |
| Net interest margin | 4.06% |
| Efficiency ratio | 58.19% |
| Yield on earning assets | 5.45% |
| Cost of funds | 1.18% |
Liquidity and funding
Loan-to-deposit ratio moved most in this table, up 1.79 points: 65.15% in Q2 2026, 66.94% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 66.94% |
| Core deposits to total deposits | 93.84% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.47% |
| Securities to assets | 34.10% |
Vital Signs trend
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q4 2023 | 14.09% | 14.09% | 15.26% | 9.57% | 1.14% |
| Q1 2024 | 14.23% | 14.23% | 15.41% | 9.56% | 0.92% |
| Q2 2024 | 13.66% | 13.66% | 14.80% | 9.63% | 0.97% |
| Q3 2024 | 13.97% | 13.97% | 15.13% | 9.64% | 1.13% |
| Q4 2024 | 14.52% | 14.52% | 15.72% | 9.81% | 1.35% |
| Q1 2025 | 14.03% | 14.03% | 15.17% | 9.73% | 1.17% |
| Q2 2025 | 14.53% | 14.53% | 15.70% | 10.01% | 1.53% |
| Q3 2025 | 14.39% | 14.39% | 15.54% | 10.20% | 1.49% |
| Q4 2025 | 15.45% | 15.45% | 16.67% | 10.32% | 1.65% |
| Q1 2026 | 13.75% | 13.75% | 14.94% | 9.51% | 1.58% |
| Q2 2026 | — | — | — | 9.96% | 1.73% |
| Q3 2026 | — | — | — | 10.29% | 1.65% |
Texas First Bank vital signs, quarter by quarter
Vital Signs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full Texas First Bank profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 23799) · FFIEC NIC profile (RSSD 473266)