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First Bank of Celeste, The

Celeste, TX · Cert 3133 · Metroplex North Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$83.9MAssets
$30.9MLoans
$76.3MDeposits
$7.1MEquity
Loan mix
60%RE $15.9M16%C&I $4.3M24%Consumer $6.2MQ3 2024Q2 2026
Deposit mix
60%Interest-bearing $45.7M40%Noninterest $30.5MQ3 2024Q2 2026

Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.0% share · #138 of 166 inst. · $0.1B of $732.8B

Executive Summary

  • Earnings: ROA of 1.06%, up 6 bps year over year; NIM at 3.66%.
  • Asset quality: problem loans at 0.00% of loans (-2 bps YoY), with net charge-offs at 0.07%.
  • Capital: tier 1 leverage ratio of 8.39%, up 43 bps from a year ago.
  • Funding: loans stand at 40.51% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.06%+6 bps YoY

Net Interest Margin (YTD, annualized)

3.66%+15 bps YoY

Efficiency Ratio (YTD, annualized)

67.74%+72 bps YoY

Tier 1 Leverage Ratio

8.39%+43 bps YoY

NIM

4.55%Q2 ’244.43%Q2 ’254.54%Q2 ’26-5%+4%

Non-interest income vs. expense

2.74%Q2 ’242.66%Q2 ’252.81%Q2 ’26-2%+6%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.10%1.08%0.99%0.99%1.01%1.02%0.97%1.06%+6 bps
Return on Equity14.46%14.12%12.39%12.55%12.79%12.84%11.84%12.75%+20 bps
Net Interest Margin3.68%3.62%3.51%3.51%3.53%3.56%3.57%3.66%+15 bps
Efficiency Ratio64.97%64.46%67.05%67.02%66.59%67.13%68.77%67.74%+72 bps
Non-Interest Burden2.21%2.16%2.20%2.20%2.21%2.24%2.32%2.32%+12 bps
Growth
Asset Growth (YoY)1.02%1.56%0.22%7.51%8.07%3.43%4.87%0.21%-730 bps
Loan Growth (YoY)-0.87%-5.07%-2.56%-9.15%-1.62%-0.46%6.87%13.65%+2,281 bps
Deposit Growth (YoY)0.16%0.85%-0.53%7.54%8.23%3.12%4.70%-0.53%-808 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.02%0.00%0.00%0.00%0.00%-2 bps
Net Charge-Offs / Loans0.07%0.24%-0.30%-0.04%0.02%0.02%0.12%0.07%+11 bps
Allowance / Loans1.61%1.64%1.78%1.80%1.78%1.79%1.66%1.59%-21 bps
Allowance Coverage of NPLsn/an/an/a97.6xn/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio7.91%7.86%8.04%7.97%7.94%8.05%8.34%8.39%+43 bps
Total Risk-Based Capital20.92%21.43%22.55%22.42%21.83%21.63%21.36%21.26%-116 bps
Equity / Assets7.84%7.89%8.05%7.79%7.77%8.19%8.25%8.41%+62 bps
Liquidity & Funding
Loans / Deposits39.39%38.15%37.93%35.45%35.80%36.83%38.72%40.51%+506 bps
Liquid Assets / Assets62.13%61.44%63.15%65.57%66.15%62.73%62.24%60.94%-463 bps
CRE / Total Capitaln/an/an/an/a119.24%119.28%126.14%n/an/a