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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 $5.2MQ2 2025Q2 2026
Deposit mix
67%Interest-bearing $583.2M33%Noninterest $286.5MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.69%0.61%0.57%0.49%0.45%-24 bps
Return on Equity7.56%6.60%6.11%5.03%4.65%-291 bps
Net Interest Margin3.93%3.93%3.99%3.88%3.93%0 bps
Efficiency Ratio82.68%83.72%84.25%89.93%88.37%+568 bps
Non-Interest Burden3.12%3.17%3.25%3.41%3.39%+26 bps
Growth
Asset Growth (YoY)0.07%-5.45%-4.44%-3.54%-4.03%-410 bps
Loan Growth (YoY)-15.08%-17.25%-20.76%-20.44%-19.52%-444 bps
Deposit Growth (YoY)-0.39%-6.41%-4.66%-4.24%-4.62%-423 bps
Asset Quality
Nonperforming Loans / Loans5.83%5.84%5.49%5.50%5.51%-32 bps
Net Charge-Offs / Loans0.22%0.42%0.38%0.25%0.28%+7 bps
Allowance / Loans1.47%1.41%1.43%1.29%1.31%-17 bps
Allowance Coverage of NPLs0.3x0.2x0.3x0.2x0.2x0.0x
Capital
Tier 1 Leverage Ratio10.03%10.00%10.02%10.20%10.44%+40 bps
Total Risk-Based Capital10.03%10.00%10.02%10.20%10.44%+40 bps
Equity / Assets9.31%9.71%9.58%9.79%9.88%+58 bps
Liquidity & Funding
Loans / Deposits67.93%67.27%63.10%61.93%57.32%-1,061 bps
Liquid Assets / Assets15.05%15.69%20.41%18.50%24.40%+934 bps
CRE / Total Capitaln/a378%373%359%n/an/a