PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First Central

Waco, TX · Charter 67644

NCUA · 5 branches

Q2 2026

$191.7MAssets
$98.2MLoans
$160.2MShares
$30.2MNet Worth

Executive Summary

  • Earnings: ROA of 1.19%, up 5 bps year over year; NIM at 4.11%.
  • Asset quality: problem loans at 1.95% of loans (-76 bps YoY).
  • Capital: net worth / assets of 15.75%, up 8 bps from a year ago.
  • Funding: loans stand at 61.28% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.19%+5 bps YoY

Net Interest Margin (YTD, annualized)

4.11%-23 bps YoY

Efficiency Ratio (YTD, annualized)

79.21%-481 bps YoY

Net Worth / Assets

15.75%+8 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.08%0.95%1.25%1.15%1.67%1.49%1.35%1.19%+5 bps
Return on Equity6.97%6.09%8.19%7.32%10.36%9.26%8.59%7.59%+26 bps
Net Interest Margin4.29%4.31%4.27%4.34%4.36%4.30%4.17%4.11%-23 bps
Efficiency Ratio82.50%83.29%84.91%84.02%77.99%79.23%77.41%79.21%-481 bps
Growth
Asset Growth (YoY)9.79%1.53%3.05%1.37%5.24%7.42%6.91%9.81%+844 bps
Loan Growth (YoY)13.80%-0.11%-2.04%-1.93%-0.27%0.86%1.17%9.19%+1,112 bps
Share Growth (YoY)9.39%0.86%1.46%-0.65%3.74%5.31%6.13%10.09%+1,074 bps
Asset Quality
Delinquent Loans / Loans2.88%3.26%2.94%2.71%2.67%2.76%1.98%1.95%-76 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital15.48%15.63%15.27%15.67%16.10%16.04%15.75%15.75%+8 bps
Net Worth / Assets15.48%15.63%15.27%15.67%16.10%16.04%15.75%15.75%+8 bps
Liquidity & Funding
Loans / Shares64.21%63.56%59.84%61.78%61.72%60.87%57.04%61.28%-50 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps