Total Assets
$944M
Total balance-sheet footings
FDIC Cert #3183 · El Campo, Texas · Est. 1902
NewFirst National Bank - FDIC Bank Health Profile
A community-scale look at NewFirst National Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $944M
- Total assets
- A
- Health grade · Excellent
- 3.45%
- Return on assets
- 12.1%
- Tier 1 capital
Data updated July 2026
The verdict
NewFirst National Bank earns a PlainBankData health grade of A (91/100), with well-capitalized at 12.06% Tier 1, profitable at 3.45% ROA, efficient (38% cost ratio).
- #1,097
- largest of 4,313 FDIC banks by assets
- 75th
- percentile by asset size, nationally
- 12.06%
- Tier 1 ratio - above the 10% well-capitalized line
- 99th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How NewFirst National Bank's 91/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
NewFirst National Bank's composite health score
Tier 1 Capital Ratio (12.06%) 35/40
Return on Assets (ROA) (3.45%) 25/25
Texas Ratio (5.73%) 16/20
Efficiency Ratio (38.08%) 15/15
91 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$824M
Customer-funded liabilities
Net Loans
$681M
Outstanding loan book
Net Income
$32M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where NewFirst National Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. NewFirst National Bank's score of 91/100 falls in the highlighted band.
NewFirst 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). NewFirst National Bank's $944M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.06% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.06%
Texas Ratio
5.73%
Equity Capital
$111M
Profitability metrics
Return on Assets (ROA)
99th percentile nationally
3.45%
Return on Equity (ROE)
29.29%
Efficiency Ratio
38.08%
What the numbers say about NewFirst National Bank
NewFirst National Bank is an FDIC-insured institution (Certificate #3183) headquartered in El Campo, Texas, established in 1902. It holds $944M in total assets - 1,097th of 4,313 FDIC-insured banks, $824M in customer deposits, and $681M in net loans. Looking at capital strength, Tier 1 stands at 12.06%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 5.73%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (91/100), 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 Texas, NewFirst National Bank ranks 99th of 350 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$61M
Interest Income
$4M
Non-Interest Income
$20M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. NewFirst National Bank reports a Texas Ratio of 5.73% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
5.73% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Texas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) NewFirst National Bank (FDIC Cert #3183) - 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 NewFirst National Bank's health grade?▼
NewFirst National Bank receives a health grade of A (91/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is NewFirst National Bank?▼
NewFirst National Bank holds $944M in total assets and $824M in deposits, ranking 1,097th of 4,313 FDIC-insured banks by asset size. It is headquartered in El Campo, Texas.
Is my money safe at NewFirst National Bank?▼
Yes, deposits at NewFirst National Bank (Certificate #3183) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is NewFirst National Bank's Tier 1 Capital Ratio?▼
NewFirst National Bank has a Tier 1 Capital Ratio of 12.06%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for NewFirst National Bank?▼
NewFirst National Bank has a Texas Ratio of 5.73%. 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 NewFirst National Bank?▼
NewFirst National Bank has an Efficiency Ratio of 38.08%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read NewFirst National Bank's profile as a depositor or analyst.
- NewFirst National Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare NewFirst National Bank 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.