Total Assets
$979M
Total balance-sheet footings
FDIC Cert #5575 · Weatherford, Texas · Est. 1880
First National Bank and Trust Company of Weatherford - 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.
- $979M
- Total assets
- D
- Health grade · Weak
- 0.57%
- Return on assets
- 10.0%
- Tier 1 capital
Data updated July 2026
The verdict
First National Bank and Trust Company of Weatherford earns a PlainBankData health grade of D (46/100), with well-capitalized at 10.02% Tier 1, 0.57% ROA, 84% efficiency ratio.
- #1,065
- largest of 4,313 FDIC banks by assets
- 75th
- percentile by asset size, nationally
- 10.02%
- Tier 1 ratio - above the 10% well-capitalized line
- 18th
- 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.
How First National Bank and Trust Company of Weatherford's 46/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First National Bank and Trust Company of Weatherford's composite health score
Tier 1 Capital Ratio (10.02%) 28/40
Return on Assets (ROA) (0.57%) 14/25
Texas Ratio (30.05%) 4/20
Efficiency Ratio (84.25%) 0/15
46 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$883M
Customer-funded liabilities
Net Loans
$549M
Outstanding loan book
Net Income
$6M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First National Bank and Trust Company of Weatherford ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First National Bank and Trust Company of Weatherford's score of 46/100 falls in the highlighted band.
First National Bank and Trust Company of Weatherford'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 National Bank and Trust Company of Weatherford's $979M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.02% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.02%
Texas Ratio
30.05%
Equity Capital
$94M
Profitability metrics
Return on Assets (ROA)
18th percentile nationally
0.57%
Return on Equity (ROE)
6.11%
Efficiency Ratio
84.25%
What the numbers say about First National Bank and Trust Company of Weatherford
First National Bank and Trust Company of Weatherford is an FDIC-insured institution (Certificate #5575) headquartered in Weatherford, Texas, established in 1880. It holds $979M in total assets - 1,065th of 4,313 FDIC-insured banks, $883M in customer deposits, and $549M in net loans. Its capital position: a Tier 1 ratio of 10.02%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 30.05% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of D (46 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
First National Bank and Trust Company of Weatherford sits 94th of 350 banks headquartered in Texas by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$57M
Interest Income
$7M
Non-Interest Income
$39M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First National Bank and Trust Company of Weatherford reports a Texas Ratio of 30.05% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
30.05% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at First National Bank and Trust Company of Weatherford
First National Bank and Trust Company of Weatherford'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 National Bank and Trust Company of Weatherford 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.
Top banks in Texas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First National Bank and Trust Company of Weatherford (FDIC Cert #5575) - 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.
Other banks in Texas
All Texas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is First National Bank and Trust Company of Weatherford's health grade?▼
First National Bank and Trust Company of Weatherford receives a health grade of D (46/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows notable financial weaknesses. Your deposits remain FDIC-insured up to $250,000.
How large is First National Bank and Trust Company of Weatherford?▼
First National Bank and Trust Company of Weatherford holds $979M in total assets and $883M in deposits, ranking 1,065th of 4,313 FDIC-insured banks by asset size. It is headquartered in Weatherford, Texas.
Is my money safe at First National Bank and Trust Company of Weatherford?▼
Yes, deposits at First National Bank and Trust Company of Weatherford (Certificate #5575) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First National Bank and Trust Company of Weatherford's Tier 1 Capital Ratio?▼
First National Bank and Trust Company of Weatherford has a Tier 1 Capital Ratio of 10.02%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for First National Bank and Trust Company of Weatherford?▼
First National Bank and Trust Company of Weatherford has a Texas Ratio of 30.05%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First National Bank and Trust Company of Weatherford?▼
First National Bank and Trust Company of Weatherford has an Efficiency Ratio of 84.25%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First National Bank and Trust Company of Weatherford's profile as a depositor or analyst.
- First National Bank and Trust Company of Weatherford's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First National Bank and Trust Company of Weatherford against other Texas banks before moving funds. Texas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.