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Letter portraitLegal landscape

First Bank of Celeste, The

Celeste, TX · Cert 3133 · Peer group: banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=28) · Metroplex North Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$83.9MAssets
$30.9MLoans
$76.3MDeposits
$7.1MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 9 of 28).
  • Widest gap: equity / assets trails 93% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 26 of 28).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.05%

Rank 23 of 28

Net Interest Margin

3.66%

Rank 24 of 28

Efficiency Ratio

67.74%

Rank 23 of 28

Equity / Assets

8.41%

Rank 26 of 28

Non-interest income vs. expense

$0.4M$2.4MINCOMEEXPENSE
Unfavorable gap of $2.0M · efficiency ratio beats 21% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area
Bank 67.74%Peer median 61.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.05%1.12%1.22%1.47%Beats 18%23 / 28
Return on Equity12.51%8.64%12.47%13.41%Beats 54%13 / 28
Net Interest Margin3.66%3.77%4.06%4.51%Beats 14%24 / 28
Efficiency Ratio67.74%57.39%61.94%66.78%Beats 21%23 / 28
Asset Quality
Nonperforming Loans / Loans0.00%n/a0.28%1.06%Beats 100%9 / 28
Net Charge-Offs / Loans0.04%0.00%0.01%0.20%Beats 39%18 / 28
Capital
Tier 1 Capital Ratio20.01%12.55%13.77%17.51%Beats 82%5 / 28
Total Risk-Based Capital Ratio21.26%12.59%14.62%18.18%Beats 82%5 / 28
Equity / Assets8.41%9.58%11.17%13.58%Beats 7%26 / 28
Liquidity & Funding
Loans / Deposits40.51%66.90%84.79%89.14%4th pctl27 / 28
Loans / Assets36.84%57.58%73.59%77.32%7th pctl26 / 28
Brokered Deposits / Depositsn/aNot reported for this institution