PackageTrendsPeer
Letter portraitLegal landscape

First National Bank and Trust Company of Weatherford Dba First Bank Texas

Weatherford, TX · Cert 5575 · First Baird Bancshares Inc.

National charter · OCC · 16 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=28). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

19

Q2 2024Q2 2026peer median (50)

Asset Quality

17

Q2 2024Q2 2026peer median (50)

Profitability

19

Q2 2024Q2 2026peer median (50)

Liquidity

28

Q2 2024Q2 2026peer median

Efficiency

11

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First National Bank and Trust Company of Weatherford Dba First Bank Texas

Weatherford, TX · Cert 5575 · First Baird Bancshares Inc.

National charter · OCC · 16 branches

Q2 2026

$968.3MAssets
$498.5MLoans
$869.7MDeposits
$95.7MEquity
Loan mix
90%RE $467.3M9%C&I $47.2M1%Consumer $5.2MQ3 2024Q2 2026
Deposit mix
67%Interest-bearing $583.2M33%Noninterest $286.5MQ3 2024Q2 2026

Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.1% share · #80 of 166 inst. · $0.4B of $732.8B

9.4% Parker
4.1% Taylor
31.7% Callahan
57.1% Knox

Executive Summary

  • Earnings: ROA of 0.45%, down 24 bps year over year; NIM at 3.93%.
  • Asset quality: problem loans at 5.51% of loans (-32 bps YoY), with net charge-offs at 0.28%.
  • Capital: tier 1 leverage ratio of 10.44%, up 40 bps from a year ago.
  • Funding: loans stand at 57.32% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.45%-24 bps YoY

Net Interest Margin (YTD, annualized)

3.93%0 bps YoY

Efficiency Ratio (YTD, annualized)

88.37%+568 bps YoY

Tier 1 Leverage Ratio

10.44%+40 bps YoY

NIM

6.17%Q2 ’245.77%Q2 ’255.40%Q2 ’26-7%0%

Non-interest income vs. expense

3.77%Q2 ’243.86%Q2 ’254.13%Q2 ’26+3%+8%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.56%0.63%0.70%0.69%0.61%0.57%0.49%0.45%-24 bps
Return on Equity6.43%7.13%7.68%7.56%6.60%6.11%5.03%4.65%-291 bps
Net Interest Margin4.17%4.10%3.93%3.93%3.93%3.99%3.88%3.93%0 bps
Efficiency Ratio77.79%77.53%81.52%82.68%83.72%84.25%89.93%88.37%+568 bps
Non-Interest Burden3.09%3.02%3.08%3.12%3.17%3.25%3.41%3.39%+26 bps
Growth
Asset Growth (YoY)3.95%3.51%-1.77%0.07%-5.45%-4.44%-3.54%-4.03%-410 bps
Loan Growth (YoY)-2.64%-2.96%-8.61%-15.08%-17.25%-20.76%-20.44%-19.52%-444 bps
Deposit Growth (YoY)2.79%3.36%-2.36%-0.39%-6.41%-4.66%-4.24%-4.62%-423 bps
Asset Quality
Nonperforming Loans / Loans4.67%4.95%5.21%5.83%5.84%5.49%5.50%5.51%-32 bps
Net Charge-Offs / Loans0.32%0.31%0.16%0.22%0.42%0.38%0.25%0.28%+7 bps
Allowance / Loans1.41%1.40%1.41%1.47%1.41%1.43%1.29%1.31%-17 bps
Allowance Coverage of NPLs0.3x0.3x0.3x0.3x0.2x0.3x0.2x0.2x0.0x
Capital
Tier 1 Leverage Ratio9.79%9.80%9.84%10.03%10.00%10.02%10.20%10.44%+40 bps
Total Risk-Based Capital9.79%9.80%9.84%10.03%10.00%10.02%10.20%10.44%+40 bps
Equity / Assets8.92%8.94%9.21%9.31%9.71%9.58%9.79%9.88%+58 bps
Liquidity & Funding
Loans / Deposits76.08%75.93%74.54%67.93%67.27%63.10%61.93%57.32%-1,061 bps
Liquid Assets / Assets8.66%6.37%7.03%15.05%15.69%20.41%18.50%24.40%+934 bps
CRE / Total Capitaln/an/an/an/a378%373%359%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First National Bank and Trust Company of Weatherford Dba First Bank Texas

Weatherford, TX · Cert 5575 · Peer group: banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=28) · First Baird Bancshares Inc.

National charter · OCC · 16 branches

Q2 2026

$968.3MAssets
$498.5MLoans
$869.7MDeposits
$95.7MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 36% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 18 of 28).
  • Widest gap: nonperforming loans / loans trails 96% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 28 of 28).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

0.45%

Rank 25 of 28

Net Interest Margin

3.93%

Rank 18 of 28

Efficiency Ratio

88.37%

Rank 26 of 28

Equity / Assets

9.88%

Rank 20 of 28

Non-interest income vs. expense

$7.2M$40.0MINCOMEEXPENSE
Unfavorable gap of $32.8M · efficiency ratio beats 11% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area
Bank 88.37%Peer median 61.9%Q3 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.45%1.12%1.22%1.47%Beats 11%25 / 28
Return on Equity4.60%8.64%12.47%13.41%Beats 11%25 / 28
Net Interest Margin3.93%3.77%4.06%4.51%Beats 36%18 / 28
Efficiency Ratio88.37%57.39%61.94%66.78%Beats 11%26 / 28
Asset Quality
Nonperforming Loans / Loans5.51%n/a0.28%1.06%Beats 4%28 / 28
Net Charge-Offs / Loans0.17%0.00%0.01%0.20%Beats 29%21 / 28
Capital
Tier 1 Capital Ratio10.44%12.55%13.77%17.51%Beats 14%24 / 28
Total Risk-Based Capital Ratio10.44%12.59%14.62%18.18%Beats 14%24 / 28
Equity / Assets9.88%9.58%11.17%13.58%Beats 29%20 / 28
Liquidity & Funding
Loans / Deposits57.32%66.90%84.79%89.14%14th pctl24 / 28
Loans / Assets51.48%57.58%73.59%77.32%14th pctl24 / 28
Brokered Deposits / Depositsn/aNot reported for this institution