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First National Bank of Quitaque, The

Quitaque, TX · Cert 3401 · Quitaque National Corp.

National charter · OCC · 3 branches

Q2 2026

$167.1MAssets
$56.1MLoans
$147.4MDeposits
$17.8MEquity
Loan mix
48%RE $10.8M23%C&I $5.1M29%Consumer $6.6MQ2 2025Q2 2026
Deposit mix
72%Interest-bearing $106.2M28%Noninterest $41.2MQ2 2025Q2 2026

NIM

6.23%Q2 ’245.75%Q2 ’254.91%Q2 ’26-4%-15%

Non-interest income vs. expense

1.93%Q2 ’241.93%Q2 ’251.77%Q2 ’260%-8%

Executive Summary

  • Earnings: ROA of 1.38%, down 2 bps year over year; NIM at 3.29%.
  • Asset quality: problem loans at 1.71% of loans (-39 bps YoY), with net charge-offs at 0.72%.
  • Capital: tier 1 leverage ratio of 10.59%, down 15 bps from a year ago.
  • Funding: loans stand at 38.06% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.38%-2 bps YoY

Net Interest Margin (YTD, annualized)

3.29%-60 bps YoY

Efficiency Ratio (YTD, annualized)

49.47%+357 bps YoY

Tier 1 Leverage Ratio

10.59%-15 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.40%1.43%1.53%1.36%1.38%-2 bps
Return on Equity13.39%13.56%14.43%12.98%13.07%-32 bps
Net Interest Margin3.89%3.85%3.75%3.30%3.29%-60 bps
Efficiency Ratio45.90%49.31%48.29%52.08%49.47%+357 bps
Non-Interest Burden1.62%1.75%1.64%1.58%1.49%-13 bps
Growth
Asset Growth (YoY)9.00%10.13%10.18%15.82%11.37%+237 bps
Loan Growth (YoY)0.51%-3.54%-1.25%-15.04%-3.47%-398 bps
Deposit Growth (YoY)8.60%9.80%10.02%16.31%11.31%+271 bps
Asset Quality
Nonperforming Loans / Loans2.10%1.65%1.56%2.26%1.71%-39 bps
Net Charge-Offs / Loans1.25%0.89%0.58%0.08%0.72%-53 bps
Allowance / Loans1.59%1.46%1.53%1.82%1.53%-6 bps
Allowance Coverage of NPLs0.8x0.9x1.0x0.8x0.9x+0.1x
Capital
Tier 1 Leverage Ratio10.74%10.80%10.78%10.55%10.59%-15 bps
Total Risk-Based Capital10.74%10.80%10.78%10.55%10.59%-15 bps
Equity / Assets10.54%10.81%10.73%10.29%10.64%+11 bps
Liquidity & Funding
Loans / Deposits43.89%46.12%45.03%35.01%38.06%-583 bps
Liquid Assets / Assets39.93%39.27%37.24%49.22%44.28%+435 bps
CRE / Total Capitaln/a1.90%2.16%3.28%n/an/a