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First National Bank

Wichita Falls, TX · Cert 26543 · Peer group: banks $1B-$10B in assets operating in a single state (n=293)

FDIC · 7 branches

Q4 2025

$1.2BAssets
$984.4MLoans
$1.0BDeposits
$105.7MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 67% of banks $1B-$10B in assets operating in a single state (rank 99 of 293).
  • Widest gap: brokered deposits / deposits trails 96% of banks $1B-$10B in assets operating in a single state (rank 281 of 293).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.89%

Rank 197 of 293

Net Interest Margin

3.11%

Rank 179 of 293

Efficiency Ratio

71.10%

Rank 221 of 293

Equity / Assets

9.15%

Rank 215 of 293

Non-interest income vs. expense

$0.9M$27.8MINCOMEEXPENSE
Unfavorable gap of $26.9M · efficiency ratio beats 25% of banks $1B-$10B in assets operating in a single state
Bank 71.10%Peer median 62.4%Q2 2024Q4 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.89%0.78%1.08%1.37%Beats 33%197 / 293
Return on Equity9.70%7.54%10.71%13.42%Beats 42%169 / 293
Net Interest Margin3.11%2.90%3.26%3.64%Beats 39%179 / 293
Efficiency Ratio71.10%53.70%62.37%70.86%Beats 25%221 / 293
Asset Quality
Nonperforming Loans / Loans0.28%0.20%0.45%0.94%Beats 67%99 / 293
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio13.64%11.58%13.17%15.13%Beats 58%124 / 293
Total Risk-Based Capital Ratio14.89%12.40%14.02%16.17%Beats 63%109 / 293
Equity / Assets9.15%9.03%10.09%11.77%Beats 27%215 / 293
Liquidity & Funding
Loans / Deposits95.12%73.95%86.02%95.31%74th pctl77 / 293
Loans / Assets85.24%63.41%72.88%78.58%93rd pctl21 / 293
Brokered Deposits / Deposits26.65%n/a1.43%7.87%Beats 4%281 / 293