FDIC Cert #3218 · Gilmer, Texas · Est. 1900

The First National Bank of East Texas - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$615M
Total assets
B
Health grade · Good
1.12%
Return on assets
9.6%
Tier 1 capital

Data updated July 2026

The verdict

The First National Bank of East Texas earns a PlainBankData health grade of B (66/100), with 9.58% Tier 1 capital, profitable at 1.12% ROA, 68% efficiency ratio.

#1,543
largest of 4,313 FDIC banks by assets
64th
percentile by asset size, nationally
9.58%
Tier 1 ratio - below the 10% well-capitalized line
51st
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 3218 · TX B · 66/100

GRADE-B · LOWER-Q · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-B B (66/100)
  • LOWER-Q #3382/4307
  • PHOTO-FINISH Points West Communit… · CO
  • TIER1-ADEQ 9.6% Tier 1
  • TEXAS-CLEAN 4.9% Texas
  • ROA-PAR 1.12% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Texas: Points West Community 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 of East Texas

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

Morgan Stanley Bank,… · UT ·…100/100Farmers Bank and Tru… · KY ·…66/100HNB First Bank · AL · near66/100MidSouth Bank · AL · near66/100Points West Communit… · CO ·…66/100The First National B… · TX ·…66/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The First National Bank of East Texas · July 2026

Call Report read for The First National Bank of East Texas in a high-failure state

The First National Bank of East Texas (FDIC Cert #3218) carries a PlainBankData health grade of B at 66/100, 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 #3,382 of 4,307. Tier 1 capital prints at 9.58%, missing the 10% well-capitalized line. The Texas Ratio is 4.89%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.12%. Balance-sheet scale is $615M, 1,543rd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Points West Community 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 of East Texas

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

The First National Bank of East Texas 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 of East Texas'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 of East Texas's 66/100 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 avg77/10066/100
The First National Bank of East Texas's composite health score
Tier 1 Capital Ratio (9.58%) 18/40
Return on Assets (ROA) (1.12%) 20/25
Texas Ratio (4.89%) 20/20
Efficiency Ratio (68.11%) 8/15

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

Balance sheet at a glance

Total Assets

$615M

Total balance-sheet footings

Total Deposits

$556M

Customer-funded liabilities

Net Loans

$414M

Outstanding loan book

Net Income

$7M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.18% 9.58% 10.98%
Basel III capital ratios - The First National Bank of East Texas

Where The First National Bank of East Texas ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The First National Bank of East Texas's score of 66/100 falls in the highlighted band.

The First National Bank of East Texas: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

66 21st percentile higher than 21% 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%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. The First National Bank of East Texas 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

The First National Bank of East Texas'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 of East Texas's $615M falls in the highlighted band.

Capital & credit buffers at The First National Bank of East Texas

Tier 1 capital ratio
Well-capitalized 10%

9.58% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
9.58%
Texas Ratio
4.89%
Equity Capital
$53M

What these ratios mean →

Earnings posture at The First National Bank of East Texas

Return on Assets (ROA)
51st percentile nationally
1.12%
Return on Equity (ROE)
13.14%
Efficiency Ratio
68.11%

What these mean →

Income & expense at The First National Bank of East Texas

$35M
Interest Income
$3M
Non-Interest Income
$17M
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 of East Texas reports a Texas Ratio of 4.89% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

4.89% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View The First National Bank of East Texas 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 ($615M here), outside Texas so the neighborhood is not state containment.

Peoples Exchange Bank $615M · KY The Bank $615M · KS CS Bank $614M · AR The Bank of Marion $614M · VA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The First National Bank of East Texas (FDIC Cert #3218) - 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 of East Texas 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%