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First National Bank of Fort Stockton

$100M-$1B Specialty: Commercial TX FDIC cert 17913

Fort Stockton, TX

2 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
  • Deposits +2.6% year over year ($137.7M on the books).
  • Delinquency rate 0.02%.
  • Return on assets 1.05%.
  • Efficiency ratio 77.71% vs a 64.48% peer average.
  • Loan-to-deposit ratio 52.64% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX
View $100M-$1B leaderboard (TX) →

First National Bank of Fort Stockton has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 10.9% in tier
  • + Deposit Franchise: Top 15.8% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 5.2% in tier
  • - Nonperforming Asset Ratio 2.71% above tier average
  • - ROA 0.28% below tier average
  • - Efficiency Ratio 13.23% above tier average
Get updates when First National Bank of Fort Stockton releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $153.5M
+4.0% YoY -6.3% QoQ
-$233.1M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
15%
Total Loans ? $72.5M
-6.2% YoY -6.9% QoQ
-$185.8M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
Bottom 7.8% in tier
Total Deposits ? $137.7M
+2.6% YoY -7.0% QoQ
-$189.0M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
18%
Return on Assets ? 1.05%
+9.8% YoY +13.2% QoQ
-0.28% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
37%
Net Interest Margin ? 4.95%
+6.6% YoY +5.3% QoQ
+0.96% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
Top 8.7% in tier
Efficiency Ratio ? 77.71%
+2.3% YoY -1.4% QoQ
+13.23% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
17%
Delinquency Rate ? 0.02%
-68.3% QoQ
-0.89% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
83%
Loan-to-Deposit Ratio ? 52.64%
-8.6% YoY +0.1% QoQ
-25.31% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
Top 10.5% in tier
Non-Interest-Bearing Deposit Share ? 40.30%
-6.8% YoY +9.5% QoQ
+18.27% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
Top 4.5% in tier
Nonperforming Asset Ratio ? 3.37%
-4.6% YoY +5.9% QoQ
+2.71% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
Bottom 2.7% in tier
Tier 1 Capital Ratio ? 12.20%
-4.7% YoY +3.3% QoQ
-3.71% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
38%
Non-Interest Income / Assets ? 0.28%
-51.6% YoY +110.1% QoQ
-0.29% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
68%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Noninterest-Bearing 40.3%
-2.9pp YoY
+3.5pp QoQ
 +18.2pp 22.1% 29.2% 22.2% 95%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 27.3%
+5.3pp YoY
+3.4pp QoQ
 +15.7pp 11.6% 14.8% 12.5% 95%
CRE 58.2%
-5.8pp YoY
-3.9pp QoQ
 +18.7pp 39.5% 48.4% 41.4% 82%
1-4 Family 9.1%
+1.8pp YoY
+1.2pp QoQ
 -23.5pp 32.6% 25.8% 31.3% 10%
Consumer 1.9%
0.0pp YoY
+0.1pp QoQ
 -2.2pp 4.1% 4.7% 5.0% 46%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.7% 19.7% n/a
Leverage Ratio 12.2%
-0.6pp YoY
+0.4pp QoQ
 0.0pp 12.2% 12.6% 12.6% 67%
Total Capital Ratio n/a n/a 19.9% 23.8% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 25
+1 (+4.2%) YoY
+1 (+4.2%) QoQ
 -34 58 186 482 19%
Assets per Employee ($) $6.1M
-0.1% YoY
-10.1% QoQ
 -$1.4M $7.5M $10.1M $8.8M 36%
Branch Count 2
0 YoY
0 QoQ
 -3 4 12 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-0.1pp QoQ
 -0.3pp 0.3% 0.3% 0.4% 28%
Nonaccrual n/a n/a 0.9% 1.0% 1.0% n/a
Allowance Coverage 104.89x
+244.0% QoQ
 +80.74x 24.15x 18.82x 20.23x 96%
Net Charge-off Rate (YTD) 0.0%
-1.5pp YoY
 -0.1pp 0.1% 0.1% 0.2% 39%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 11.0%
+0.4pp YoY
+1.2pp QoQ
 -1.2pp 12.2% 13.2% 11.6% 43%
Cost of Funds (YTD) 1.2%
+0.2pp YoY
0.0pp QoQ
 -0.5pp 1.7% 1.6% 1.7% 19%
Net Income ($, YTD) $826,000
+23.5% YoY
— QoQ
 -$1.7M $2.6M $15.9M $40.4M 21%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Credit Quality Leader

growth
#73 of 659 • Top 10.9% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.02%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Deposit Franchise

growth
#45 of 278 • Top 15.8% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 40.30%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.95%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Concerns (1)

Credit Quality Pressure

risk
#66 of 1256 • Bottom 5.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.02%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

120
Non-Interest-Bearing Deposit Share
funding
Value: 40.30%
Peer Median: 22.03%
#120 of 2643 Top 4.5% in $100M-$1B
232
Net Interest Margin
profitability
Value: 4.95%
Peer Median: 3.99%
#232 of 2643 Top 8.7% in $100M-$1B
279
Loan-to-Deposit Ratio
liquidity
Value: 52.64%
Peer Median: 77.95%
#279 of 2643 Top 10.5% in $100M-$1B
441
Delinquency Rate
credit_quality
Value: 0.02%
Peer Median: 0.92%
#441 of 2633 Top 16.7% in $100M-$1B

Top Weaknesses (5 metrics)

2573
Nonperforming Asset Ratio
credit_quality
Value: 3.37%
Peer Median: 0.67%
#2573 of 2643 Bottom 2.7% in $100M-$1B
2439
Total Loans
size
Value: $72.52M
Peer Median: $258.35M
#2439 of 2643 Bottom 7.8% in $100M-$1B
2245
Total Assets
size
Value: $153.46M
Peer Median: $386.57M
#2245 of 2643 Bottom 15.1% in $100M-$1B
2204
Efficiency Ratio
profitability
Value: 77.71%
Peer Median: 64.48%
#2204 of 2643 Bottom 16.6% in $100M-$1B
2179
Total Deposits
size
Value: $137.75M
Peer Median: $326.73M
#2179 of 2643 Bottom 17.6% in $100M-$1B
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