FDIC Cert #3399 · Quanah, Texas · Est. 1907

First Capital Bank - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$116M
Total assets
D
Health grade · Weak
0.44%
Return on assets
11.3%
Tier 1 capital

Data updated July 2026

The verdict

First Capital Bank earns a PlainBankData health grade of D (43/100), with well-capitalized at 11.25% Tier 1, 0.44% ROA, 72% efficiency ratio.

#3,614
largest of 4,313 FDIC banks by assets
16th
percentile by asset size, nationally
11.25%
Tier 1 ratio - above the 10% well-capitalized line
14th
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 3399 · TX D · 43/100

GRADE-D · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-D D (43/100)
  • BOTTOM-DECILE #4224/4307
  • PHOTO-FINISH MidAmerica National… · IL
  • TIER1-WELL 11.3% Tier 1
  • TEXAS-HEALTHY 44.6% Texas
  • ROA-THIN 0.44% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Texas: MidAmerica National Bank, IL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around First Capital Bank

Lowest and highest poles plus nearest scored peers outside Texas, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Peoples Bank and Tru… · OK ·…44/100Conway Bank · KS · near43/100First Capital Bank · TX · th…43/100MidAmerica National… · IL · …43/100Midwest Regional Bank · MO ·…43/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First Capital Bank · July 2026

Call Report read for First Capital Bank in a high-failure state

First Capital Bank (FDIC Cert #3399) carries a PlainBankData health grade of D at 43/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,224 of 4,307. Tier 1 capital prints at 11.25%, clearing the 10% well-capitalized line. The Texas Ratio is 44.60%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.44%. Balance-sheet scale is $116M, 3,614th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is MidAmerica National Bank (IL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around First Capital Bank

14 FAILURE resolutions in Texas since 2000, heavy vs the state corpus

First Capital Bank sits in one of the heavier post-2000 FAILURE states (14 resolutions; latest year 2025). The list below is state history from the Failed Bank List, not a claim about First Capital Bank's current Call Report.

  • SANTA ANNA NATIONAL BANK SANTA ANNA, TX 2025 → COLEMAN COUNTY STATE BANK
  • ENLOE STATE BANK COOPER, TX 2019 → LEGEND BANK, NA
  • FIRST NATIONAL BANK EDINBURG, TX 2013 → PLAINSCAPITAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Texas banks.

How First Capital Bank's 43/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10043/100
First Capital Bank's composite health score
Tier 1 Capital Ratio (11.25%) 28/40
Return on Assets (ROA) (0.44%) 7/25
Texas Ratio (44.60%) 4/20
Efficiency Ratio (72.43%) 4/15

43 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$116M

Total balance-sheet footings

Total Deposits

$107M

Customer-funded liabilities

Net Loans

$83M

Outstanding loan book

Net Income

$458K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.85% 11.25% 12.65%
Basel III capital ratios - First Capital Bank

Where First Capital Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Capital Bank's score of 43/100 falls in the highlighted band.

First Capital Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

43 2nd percentile higher than 2% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). This entry sits in this band. 50–60: 279 FDIC-insured banks (6%). Above this entry. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. First Capital Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

First Capital Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First Capital Bank's $116M falls in the highlighted band.

Capital & credit buffers at First Capital Bank

Tier 1 capital ratio
Well-capitalized 10%

11.25% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.25%
Texas Ratio
44.60%
Equity Capital
$9M

What these ratios mean →

Profitability metrics: First Capital Bank

Return on Assets (ROA)
14th percentile nationally
0.44%
Return on Equity (ROE)
4.84%
Efficiency Ratio
72.43%

What these mean →

Income & expense at First Capital Bank

$7M
Interest Income
$567K
Non-Interest Income
$4M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. First Capital Bank reports a Texas Ratio of 44.60% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

44.60% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at First Capital Bank

First Capital Bank's grade of D reflects specific pressure points in the FDIC Call Report.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at First Capital Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View First Capital Bank on FDIC BankFind →

Top banks in Texas by total assets

Largest banks headquartered in Texas
  1. 1
    Charles Schwab Bank, SSB $253.8B

    Westlake, TX · Grade A

  2. 2
    Frost Bank $53.1B

    San Antonio, TX · Grade A

  3. 3
    Prosperity Bank $38.5B

    El Campo, TX · Grade A

  4. 4
    Texas Capital Bank $31.3B

    Dallas, TX · Grade A

  5. 5
    Charles Schwab Premier Bank, SSB $27.0B

    Westlake, TX · Grade A

Top 5 banks in Texas ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($116M here), outside Texas so the neighborhood is not state containment.

Brantley Bank and Trust Company $116M · AL Logan County Bank $116M · AR Chester National Bank $116M · IL Spiro State Bank $117M · OK

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Capital Bank (FDIC Cert #3399) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

First Capital Bank Call Report profile · FDIC Failed Bank List · Texas FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Texas

All Texas banks →
BankAssetsGradeROA
Charles Schwab Bank, SSBWestlake $253.8B A 0.94%
Frost BankSan Antonio $53.1B A 1.26%
Prosperity BankEl Campo $38.5B A 1.44%
Texas Capital BankDallas $31.3B A 1.10%
Charles Schwab Premier Bank, SSBWestlake $27.0B A 1.47%
First Financial BankAbilene $15.4B A 1.64%
NexBankDallas $13.9B A 1.17%
PlainsCapital BankUniversity Park $12.7B B 1.05%