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First National Bank Texas
Killeen, TX·FDIC Cert #3285·Charter: OCC·Est. 19010227.0·HC: FIRST COMMUNITY BANCSHARES INC
Total Assets
$4.5B
Q4 2025
Return on Assets
1.07%
-0.01%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
85.20%
Peer avg: 57.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
57
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.07%-0.01
ROE
18.23%-0.58
Efficiency
85.20%-0.08
Equity/Assets
0.00%+0.00
NPL Ratio
1.39%+0.10
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
54.74%-2.07
Charge-offs
0.95%+0.02
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.9 | 1.0 | 1.0 | 1.0 | 1.1 | 1.1 | 1.1 | 1.1 |
| ROE | 20.0 | 21.7 | 20.4 | 20.3 | 20.5 | 19.6 | 18.8 | 18.2 |
| Efficiency | 86.2 | 85.4 | 85.6 | 85.6 | 86.2 | 85.3 | 85.3 | 85.2 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.8 | 1.8 | 1.6 | 1.6 | 1.4 | 1.2 | 1.3 | 1.4 |
| Charge-offs | 1.2 | 1.1 | 1.1 | 1.1 | 0.9 | 0.9 | 0.9 | 0.9 |
| Loan/Deposit | 49.8 | 50.9 | 53.8 | 56.2 | 52.5 | 55.4 | 56.8 | 54.7 |
Balance Sheet
Total Assets$4.5B
Total Deposits$4.0B
Total Loans$2.2B
Total Equity$288.5M
Profitability
ROA1.07%
ROE18.23%
Efficiency Ratio85.20%
Net Income$46.5M
Risk & Asset Quality
NPL Ratio1.39%
Charge-off Rate0.95%
Loan/Deposit54.74%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans