PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First National Bank of Fort Stockton

Fort Stockton, TX · Cert 17913 · FNB Holding Co.

National charter · OCC · 2 branches

Q2 2026

$153.5MAssets
$74.4MLoans
$137.7MDeposits
$15.0MEquity
Loan mix
75%RE $58.8M24%C&I $18.6M2%Consumer $1.4MQ3 2024Q2 2026
Deposit mix
60%Interest-bearing $82.2M40%Noninterest $55.5MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.90%, up 37 bps year over year; NIM at 4.70%.
  • Asset quality: problem loans at 0.02% of loans (+2 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 12.20%, down 60 bps from a year ago.
  • Funding: loans stand at 54.01% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

0.90%+37 bps YoY

Net Interest Margin (quarter, annualized)

4.70%+57 bps YoY

Efficiency Ratio (quarter, annualized)

76.66%-877 bps YoY

Tier 1 Leverage Ratio

12.20%-60 bps YoY

NIM

5.44%Q2 ’245.11%Q2 ’255.76%Q2 ’26-8%+14%

Non-interest income vs. expense

3.80%Q2 ’244.05%Q2 ’254.00%Q2 ’26+6%+0%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.52%1.12%0.99%0.53%0.79%0.78%0.73%0.90%+37 bps
Return on Equity16.28%12.00%10.74%5.89%10.31%9.53%7.71%9.50%+362 bps
Net Interest Margin5.34%4.75%4.38%4.13%4.70%4.55%4.27%4.70%+57 bps
Efficiency Ratio66.57%72.57%68.31%85.43%76.84%77.90%78.83%76.66%-877 bps
Non-Interest Burden3.39%3.33%2.44%3.47%3.46%3.42%3.25%3.48%0 bps
Growth
Asset Growth (YoY)-0.02%-2.55%-5.54%7.96%49.49%13.44%20.49%4.04%-393 bps
Loan Growth (YoY)1.44%-7.59%-7.03%-7.38%-3.84%-2.67%-3.15%-6.02%+136 bps
Deposit Growth (YoY)-3.98%0.91%0.03%16.74%61.81%17.79%22.75%2.64%-1,410 bps
Asset Quality
Nonperforming Loans / Loans2.77%1.10%1.14%0.00%0.00%0.03%0.08%0.02%+2 bps
Net Charge-Offs / Loans0.00%0.00%1.41%1.54%0.03%0.14%0.00%0.01%-153 bps
Allowance / Loans2.59%2.70%2.61%2.33%2.25%2.28%2.33%2.54%+20 bps
Allowance Coverage of NPLs0.9x2.5x2.3xn/an/a75.6x30.5x104.9xn/a
Capital
Tier 1 Leverage Ratio13.52%13.37%13.71%12.79%12.40%12.09%11.80%12.20%-60 bps
Total Risk-Based Capital13.52%13.37%13.71%12.79%12.40%12.09%11.80%12.20%-60 bps
Equity / Assets9.88%8.84%9.52%8.61%7.03%9.58%9.24%9.78%+117 bps
Liquidity & Funding
Loans / Deposits72.04%68.11%68.24%58.99%42.81%56.28%53.84%54.01%-497 bps
Liquid Assets / Assets2.41%3.03%0.47%4.03%28.06%3.66%8.31%3.68%-35 bps
CRE / Total Capitaln/an/an/an/a250%256%251%n/an/a