FDIC Cert #34455 · Rotan, Texas · Est. 1997

First National Bank - FDIC Bank Health Profile

A community-scale look at First National Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$94M
Total assets
B
Health grade · Good
0.63%
Return on assets
20.1%
Tier 1 capital

Data updated July 2026

The verdict

First National Bank earns a PlainBankData health grade of B (70/100), with well-capitalized at 20.14% Tier 1, 0.63% ROA, 82% efficiency ratio.

#3,788
largest of 4,313 FDIC banks by assets
12th
percentile by asset size, nationally
20.14%
Tier 1 ratio - above the 10% well-capitalized line
21st
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 34455 · TX B · 70/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-B B (70/100)
  • MID-PACK #3072/4307
  • PHOTO-FINISH Key Community Bank · MN
  • TIER1-WELL 20.1% Tier 1
  • TEXAS-CLEAN 14.0% Texas
  • ROA-THIN 0.63% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Texas: Key Community Bank, MN (±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

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

Morgan Stanley Bank,… · UT ·…100/100First Community Bank… · IL ·…70/100First National Bank · TX · t…70/100Key Community Bank · MN · ne…70/100Metropolitan Commerc… · NY ·…70/100Pan American Bank &… · IL · …70/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First National Bank · July 2026

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

First National Bank (FDIC Cert #34455) carries a PlainBankData health grade of B at 70/100, 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 #3,072 of 4,307. Tier 1 capital prints at 20.14%, clearing the 10% well-capitalized line. The Texas Ratio is 13.99%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.63%. Balance-sheet scale is $94M, 3,788th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Key Community Bank (MN), 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

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

First National 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 National 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 National Bank's 70/100 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 avg77/10070/100
First National Bank's composite health score
Tier 1 Capital Ratio (20.14%) 40/40
Return on Assets (ROA) (0.63%) 14/25
Texas Ratio (13.99%) 16/20
Efficiency Ratio (81.85%) 0/15

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

Balance sheet at a glance

Total Assets

$94M

Total balance-sheet footings

Total Deposits

$88M

Customer-funded liabilities

Net Loans

$40M

Outstanding loan book

Net Income

$576K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 18.74% 20.14% 21.54%
Basel III capital ratios - First National Bank

Where First National Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First National Bank's score of 70/100 falls in the highlighted band.

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

0-100 composite health score, FDIC Call Reports

70 29th percentile higher than 29% 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%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. First National 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 National 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 National Bank's $94M falls in the highlighted band.

Capital & credit buffers at First National Bank

Tier 1 capital ratio
Well-capitalized 10%

20.14% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
20.14%
Texas Ratio
13.99%
Equity Capital
$5M

What these ratios mean →

Profitability metrics: First National Bank

Return on Assets (ROA)
21st percentile nationally
0.63%
Return on Equity (ROE)
15.01%
Efficiency Ratio
81.85%

What these mean →

Income & expense at First National Bank

$4M
Interest Income
$443K
Non-Interest Income
$2M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. First National Bank reports a Texas Ratio of 13.99% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

13.99% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View First National 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 ($94M here), outside Texas so the neighborhood is not state containment.

Superior Savings Bank $94M · WI Ladysmith Federal Savings and Loan As… $94M · WI The First National Bank of Germantown $94M · OH First Farmers & Merchants State Bank $94M · MN

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First National Bank (FDIC Cert #34455) - 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 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%