Total Assets
$287M
Total balance-sheet footings
FDIC Cert #26829 · Dade City, Florida · Est. 1986
First National Bank of Pasco - 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.
- $287M
- Total assets
- D
- Health grade · Weak
- 0.08%
- Return on assets
- 9.6%
- Tier 1 capital
Data updated July 2026
The verdict
First National Bank of Pasco earns a PlainBankData health grade of D (45/100), with 9.63% Tier 1 capital, 0.08% ROA, 97% efficiency ratio.
- #2,555
- largest of 4,313 FDIC banks by assets
- 41st
- percentile by asset size, nationally
- 9.63%
- Tier 1 ratio - below the 10% well-capitalized line
- 6th
- 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 of Pasco's 45/100 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 of Pasco's composite health score
Tier 1 Capital Ratio (9.63%) 18/40
Return on Assets (ROA) (0.08%) 7/25
Texas Ratio (2.89%) 20/20
Efficiency Ratio (96.73%) 0/15
45 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$241M
Customer-funded liabilities
Net Loans
$183M
Outstanding loan book
Net Income
$254K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First National Bank of Pasco ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First National Bank of Pasco's score of 45/100 falls in the highlighted band.
First National Bank of Pasco'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 of Pasco's $287M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.63% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.63%
Texas Ratio
2.89%
Equity Capital
$20M
Profitability metrics
Return on Assets (ROA)
6th percentile nationally
0.08%
Return on Equity (ROE)
1.38%
Efficiency Ratio
96.73%
What the numbers say about First National Bank of Pasco
First National Bank of Pasco is an FDIC-insured institution (Certificate #26829) headquartered in Dade City, Florida, established in 1986. It holds $287M in total assets - 2,555th of 4,313 FDIC-insured banks, $241M in customer deposits, and $183M in net loans. On safety, its Tier 1 capital ratio of 9.63% is below the 10% well-capitalized threshold, and its Texas Ratio of 2.89% sits in the healthy range below 50%. It earns a PlainBankData health grade of D (45/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Florida, First National Bank of Pasco ranks 62nd of 83 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$17M
Interest Income
$2M
Non-Interest Income
$12M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First National Bank of Pasco reports a Texas Ratio of 2.89% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.89% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at First National Bank of Pasco
First National Bank of Pasco's grade of D reflects specific pressure points in the FDIC Call Report. Its Tier 1 capital ratio of 9.63% is below the 10% "well-capitalized" benchmark.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at First National Bank of Pasco 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 Florida by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First National Bank of Pasco (FDIC Cert #26829) - 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 Florida
All Florida banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| SouthState Bank, National AssociationWinter Haven | $67.2B | A | 1.40% |
| EverBank, National AssociationJacksonville | $46.0B | B | 0.72% |
| Raymond James BankSaint Petersburg | $43.4B | A | 1.47% |
| BankUnited, National AssociationMiami Lakes | $35.0B | B | 0.89% |
| City National Bank of FloridaMiami | $28.0B | A | 0.96% |
| Seacoast National BankStuart | $20.8B | A | 0.91% |
| Amerant Bank, National AssociationCoral Gables | $9.8B | C | 0.64% |
| Ocean BankMiami | $7.4B | B | 0.92% |
Frequently asked questions
What is First National Bank of Pasco's health grade?▼
First National Bank of Pasco receives a health grade of D (45/100) 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 of Pasco?▼
First National Bank of Pasco holds $287M in total assets and $241M in deposits, ranking 2,555th of 4,313 FDIC-insured banks by asset size. It is headquartered in Dade City, Florida.
Is my money safe at First National Bank of Pasco?▼
Yes, deposits at First National Bank of Pasco (Certificate #26829) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First National Bank of Pasco's Tier 1 Capital Ratio?▼
First National Bank of Pasco has a Tier 1 Capital Ratio of 9.63%. The federal "well-capitalized" threshold is 10%. This bank meets the minimum 6% "adequately capitalized" standard.
What is the Texas Ratio for First National Bank of Pasco?▼
First National Bank of Pasco has a Texas Ratio of 2.89%. A ratio below 50% is generally considered 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 of Pasco?▼
First National Bank of Pasco has an Efficiency Ratio of 96.73%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First National Bank of Pasco's profile as a depositor or analyst.
- First National Bank of Pasco's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First National Bank of Pasco against other Florida banks before moving funds. Florida 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.