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First National Bank

under $100M Specialty: Agricultural TX FDIC cert 34455

Designations: ✓ Community bank

Rotan, TX

541 banks in the under $100M peer group nationally 38 in TX
View under $100M leaderboard (TX) →

First National Bank has 1 strength but faces 3 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

  • + Efficiency Ratio 8.37% below tier average

Key Concerns

Areas that may need attention

  • - ROA 0.15% below tier average
  • - Net Interest Margin 0.68% below tier average
  • - Delinquency Rate 2.11% above tier average
Get updates when First National Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $97.6M
+4.1% YoY +4.0% QoQ
+$35.5M $62.2M
-0.6% YoY
$2.3B
+1.1% YoY
$6.2B
+9.1% YoY
Top 3.0% in tier
Total Loans ? $37.3M
-1.1% YoY -7.9% QoQ
+$3.0M $34.2M
-1.4% YoY
$1.1B
+10.2% YoY
$3.2B
+10.8% YoY
59%
Total Deposits ? $91.6M
+1.2% YoY +3.9% QoQ
+$39.9M $51.7M
-0.7% YoY
$1.9B
+3.3% YoY
$4.8B
+8.2% YoY
Top 0.2% in tier
Return on Assets ? 0.69%
-29.5% YoY +9.3% QoQ
-0.15% 0.84%
-2.3% YoY
1.40%
+10.3% YoY
1.23%
+13.4% YoY
38%
Net Interest Margin ? 3.18%
+2.4% YoY +6.4% QoQ
-0.68% 3.86%
+2.8% YoY
4.03%
+2.6% YoY
3.89%
+5.7% YoY
20%
Efficiency Ratio ? 79.98%
+0.7% YoY -2.3% QoQ
-8.37% 88.34%
+0.3% YoY
63.18%
-2.3% YoY
66.95%
-4.1% YoY
35%
Delinquency Rate ? 3.48%
+59.1% QoQ
+2.11% 1.37%
+33.8% YoY
0.96%
+36.6% YoY
0.95%
+18.8% YoY
Bottom 10.6% in tier
Loan-to-Deposit Ratio ? 40.67%
-2.2% YoY -11.4% QoQ
-23.55% 64.22%
-0.7% YoY
67.20%
-0.8% YoY
76.70%
+0.9% YoY
81%
Non-Interest-Bearing Deposit Share ? 17.07%
-14.8% YoY -9.2% QoQ
-6.64% 23.71%
+0.3% YoY
29.02%
-1.0% YoY
22.01%
-1.2% YoY
30%
Nonperforming Asset Ratio ? 1.33%
+40.9% QoQ
+0.54% 0.79%
+28.2% YoY
0.62%
+31.5% YoY
0.67%
+19.3% YoY
19%
Tier 1 Capital Ratio ? 20.04%
+2.8% YoY -0.5% QoQ
-6.65% 26.68%
+2.0% YoY
18.04%
+0.0% YoY
17.06%
+0.8% YoY
70%
Non-Interest Income / Assets ? 0.10%
+6.0% YoY -79.2% QoQ
-0.57% 0.67%
+1.9% YoY
0.20%
+4.0% YoY
0.32%
+4.1% YoY
70%

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 (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

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 541 peers in under $100M

Top Strengths (3 metrics)

2
Total Deposits
size
Value: $91.64M
Peer Median: $51.74M
#2 of 541 Top 0.2% in under $100M
17
Total Assets
size
Value: $97.62M
Peer Median: $62.16M
#17 of 541 Top 3.0% in under $100M
103
Loan-to-Deposit Ratio
liquidity
Value: 40.67%
Peer Median: 64.22%
#103 of 541 Top 18.9% in under $100M

Top Weaknesses (3 metrics)

467
Delinquency Rate
credit_quality
Value: 3.48%
Peer Median: 1.37%
#467 of 521 Bottom 10.6% in under $100M
437
Nonperforming Asset Ratio
credit_quality
Value: 1.33%
Peer Median: 0.79%
#437 of 541 Bottom 19.4% in under $100M
434
Net Interest Margin
profitability
Value: 3.18%
Peer Median: 3.86%
#434 of 541 Bottom 20.0% in under $100M
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