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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