Total Assets
$55M
Total balance-sheet footings
FDIC Cert #3149 · Cooper, Texas · Est. 1891
The First National Bank in Cooper - FDIC Bank Health Profile
A community-scale look at The First National Bank in Cooper's own numbers, pulled straight from its quarterly FDIC Call Report.
- $55M
- Total assets
- B
- Health grade · Good
- 0.88%
- Return on assets
- 13.6%
- Tier 1 capital
Data updated July 2026
The verdict
The First National Bank in Cooper earns a PlainBankData health grade of B (73/100), with well-capitalized at 13.61% Tier 1, 0.88% ROA, 68% efficiency ratio.
- #4,090
- largest of 4,313 FDIC banks by assets
- 5th
- percentile by asset size, nationally
- 13.61%
- Tier 1 ratio - above the 10% well-capitalized line
- 34th
- 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.
FDIC Call Report plate
Cert 3149 · TX B · 73/100
GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-COMMUNITY · BOOK-FULL
- GRADE-B B (73/100)
- MID-PACK #2855/4307
- PHOTO-FINISH First Pioneer Nation… · CO
- TIER1-WELL 13.6% Tier 1
- TEXAS-CLEAN 6.4% Texas
- ROA-PAR 0.88% ROA
- SIZE-COMMUNITY <$100M
- BOOK-FULL 9/9 fields
Nearest health peer outside Texas: First Pioneer National Bank, CO (±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 The First National Bank in Cooper
Lowest and highest poles plus nearest scored peers outside Texas, not a full FDIC corpus board reprint.
Call Report read for The First National Bank in Cooper in a high-failure state
The First National Bank in Cooper (FDIC Cert #3149) carries a PlainBankData health grade of B at 73/100, 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 #2,855 of 4,307. Tier 1 capital prints at 13.61%, clearing the 10% well-capitalized line. The Texas Ratio is 6.36%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.88%. Balance-sheet scale is $55M, 4,090th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First Pioneer National Bank (CO), 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 The First National Bank in Cooper
14 FAILURE resolutions in Texas since 2000, heavy vs the state corpus
The First National Bank in Cooper 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 The First National Bank in Cooper'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 The First National Bank in Cooper's 73/100 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 (13.61%) 35/40
Return on Assets (ROA) (0.88%) 14/25
Texas Ratio (6.36%) 16/20
Efficiency Ratio (68.03%) 8/15
73 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$48M
Customer-funded liabilities
Net Loans
$32M
Outstanding loan book
Net Income
$476K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The First National Bank in Cooper ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The First National Bank in Cooper's score of 73/100 falls in the highlighted band.
The First National Bank in Cooper: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
73 34th percentile higher than 34% 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
The First National Bank in Cooper'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). The First National Bank in Cooper's $55M falls in the highlighted band.
Capital & credit buffers at The First National Bank in Cooper
Tier 1 capital ratio
Well-capitalized 10%
13.61% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.61%
Texas Ratio
6.36%
Equity Capital
$7M
Profitability metrics: The First National Bank in Cooper
Return on Assets (ROA)
34th percentile nationally
0.88%
Return on Equity (ROE)
6.74%
Efficiency Ratio
68.03%
Income & expense at The First National Bank in Cooper
$2M
Interest Income
$232K
Non-Interest Income
$1M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The First National Bank in Cooper reports a Texas Ratio of 6.36% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
6.36% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Texas by total assets
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($55M here), outside Texas so the neighborhood is not state containment.
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The First National Bank in Cooper (FDIC Cert #3149) - 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.
The First National Bank in Cooper 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 →| 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% |