C
First National Bank
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings First National Bank
Wichita Falls, TX
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Rating C
Asset Quality Index 7.20
Capitalization Index 10.00
Liquidity Index 1.10
Profitability Index 3.70
Stability Index 7.50
Company Info First National Bank
Wichita Falls, TX
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FDIC Number 26543
Phone Number (940) 696-3000
Website www.fnbtx.com
Asset Quality First National Bank
Wichita Falls, TX
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1-Year Asset Growth -16.74%
5-Year Asset Growth 38.56%
5-Year Charge-Offs to Average Loans 0.06%
Charge-Offs to Average Loans 0.04%
Non-Performing Assets to Assets 0.47%
Non-Performing Loans to Capital 4.14%
Non-Performing Loans to Loans 0.57%
Balance Sheet First National Bank
Wichita Falls, TX
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Total Assets 1.32B
Total Deposits 1.12B
Capital and Reserves First National Bank
Wichita Falls, TX
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Capital 145.19M
Leverage Ratio 11.04
Loan Loss Reserves to Loans 0.97%
Risk-Based Capital Ratio 18.53
Liquidity First National Bank
Wichita Falls, TX
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Hot Money Ratio 30.74%
Liquidity Ratio 12.81%
Profitability First National Bank
Wichita Falls, TX
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5-Year Return on Average Assets 1.05%
Net Income 7.62M
Net Interest Spread 2.85%
Operating Profit to Average Assets 0.86%
Overhead Efficiency Ratio 68.85%
Return on Assets 0.73%
Return on Equity 6.75%