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.
FDIC Call Report plate
Cert 26829 · FL D · 45/100
GRADE-D · BOTTOM-DECILE · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL
- GRADE-D D (45/100)
- BOTTOM-DECILE #4193/4307
- PHOTO-FINISH Cape & Coast Bank · MA
- TIER1-ADEQ 9.6% Tier 1
- TEXAS-CLEAN 2.9% Texas
- ROA-THIN 0.08% ROA
- SIZE-MID $100M–1B
- BOOK-FULL 9/9 fields
Nearest health peer outside Florida: Cape & Coast Bank, MA (±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 National Bank of Pasco
Lowest and highest poles plus nearest scored peers outside Florida, not a full FDIC corpus board reprint.
Call Report read for First National Bank of Pasco in a high-failure state
First National Bank of Pasco (FDIC Cert #26829) carries a PlainBankData health grade of D at 45/100, 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 #4,193 of 4,307. Tier 1 capital prints at 9.63%, missing the 10% well-capitalized line. The Texas Ratio is 2.89%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.08%. Balance-sheet scale is $287M, 2,555th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Cape & Coast Bank (MA), 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 National Bank of Pasco
76 FAILURE resolutions in Florida since 2000, heavy vs the state corpus
First National Bank of Pasco sits in one of the heavier post-2000 FAILURE states (76 resolutions; latest year 2020). The list below is state history from the Failed Bank List, not a claim about First National Bank of Pasco's current Call Report.
- FIRST CITY BANK OF FLORIDA FORT WALTON BEACH, FL 2020 → UNITED FIDELITY BANK, FSB
- FIRST NATIONAL BANK OF CRESTVIEW CRESTVIEW, FL 2015 → FIRST NBC BANK
- VALLEY BANK FORT LAUDERDALE, FL 2014 → LANDMARK BANK, NATIONAL ASSOCIATION
Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Florida banks.
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.
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: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
45 3rd percentile higher than 3% of 4,307 FDIC-insured banks
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 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.
Capital & credit buffers at First National Bank of Pasco
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: First National Bank of Pasco
Return on Assets (ROA)
6th percentile nationally
0.08%
Return on Equity (ROE)
1.38%
Efficiency Ratio
96.73%
Income & expense at First National Bank of Pasco
$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
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($287M here), outside Florida so the neighborhood is not state containment.
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.
First National Bank of Pasco Call Report profile · FDIC Failed Bank List · Florida FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.
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% |