PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First National Bank

Rotan, TX · Cert 34455 · Rotan Bancshares Inc.

National charter · OCC · 1 branch

Q2 2026

$96.5MAssets
$40.5MLoans
$90.4MDeposits
$5.8MEquity
Loan mix
51%RE $8.9M35%C&I $6.2M14%Consumer $2.4MQ3 2024Q2 2026
Deposit mix
81%Interest-bearing $73.2M19%Noninterest $17.2MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.56%, down 3 bps year over year; NIM at 2.91%.
  • Asset quality: problem loans at 3.09% of loans (+292 bps YoY), with net recoveries of 0.31%.
  • Capital: tier 1 leverage ratio of 9.71%, down 40 bps from a year ago.
  • Funding: loans stand at 44.81% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.56%-3 bps YoY

Net Interest Margin (YTD, annualized)

2.91%+8 bps YoY

Efficiency Ratio (YTD, annualized)

79.50%-361 bps YoY

Tier 1 Leverage Ratio

9.71%-40 bps YoY

NIM

4.74%Q2 ’244.61%Q2 ’254.37%Q2 ’26-5%+3%

Non-interest income vs. expense

2.87%Q2 ’242.68%Q2 ’252.60%Q2 ’26-5%-2%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-1.20%-0.79%0.77%0.59%0.57%0.50%0.54%0.56%-3 bps
Return on Equity-48.21%-32.21%27.79%18.22%15.09%11.85%9.25%9.48%-875 bps
Net Interest Margin2.84%2.67%2.79%2.83%2.80%2.66%2.89%2.91%+8 bps
Efficiency Ratio82.20%82.36%79.43%83.11%79.78%81.85%79.98%79.50%-361 bps
Non-Interest Burden2.26%2.13%2.15%2.28%2.14%2.10%2.24%2.23%-5 bps
Growth
Asset Growth (YoY)-8.09%-10.82%7.59%-1.23%7.54%3.89%4.09%12.81%+1,403 bps
Loan Growth (YoY)15.35%19.63%11.84%-7.88%1.28%-0.28%-0.91%16.78%+2,466 bps
Deposit Growth (YoY)-0.74%-2.18%6.43%-2.74%6.56%2.58%1.21%10.78%+1,352 bps
Asset Quality
Nonperforming Loans / Loans1.89%0.05%0.00%0.17%2.31%2.14%3.40%3.09%+292 bps
Net Charge-Offs / Loans-0.18%1.04%-0.04%-0.16%-0.21%-0.18%-0.21%-0.31%-16 bps
Allowance / Loans3.76%2.17%2.18%2.43%2.32%2.10%2.33%2.30%-13 bps
Allowance Coverage of NPLs2.0x45.1xn/a14.5x1.0x1.0x0.7x0.7x-13.8x
Capital
Tier 1 Leverage Ratio9.35%9.03%9.06%10.11%10.09%9.81%9.68%9.71%-40 bps
Total Risk-Based Capital22.65%20.14%20.75%23.63%23.09%21.40%21.30%22.79%-84 bps
Equity / Assets3.91%2.33%3.19%4.24%5.36%5.82%5.89%6.04%+181 bps
Liquidity & Funding
Loans / Deposits44.12%48.23%42.53%42.51%41.93%46.89%41.64%44.81%+230 bps
Liquid Assets / Assets0.17%0.20%0.53%0.31%0.31%0.59%0.61%0.32%+1 bps
CRE / Total Capitaln/an/an/an/a32.28%35.09%39.16%n/an/a