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First National Bank and Trust Company of Weatherford

$100M-$1B Specialty: Commercial TX FDIC cert 5575

Weatherford, TX

16 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 -4.6% year over year ($869.7M on the books).
  • Delinquency rate 5.58%.
  • Return on assets 0.45%.
  • Efficiency ratio 88.37% vs a 64.48% peer average.
  • Loan-to-deposit ratio 56.57% 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 and Trust Company of Weatherford has 1 strength but faces 6 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

  • + Net Interest Margin 0.30% above tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 4.7% in tier
  • - Efficiency Drag: Bottom 22.2% in tier
  • - Deposit Outflow: Bottom 49.7% in tier
  • - Delinquency Rate 4.67% above tier average
  • - Nonperforming Asset Ratio 2.21% above tier average
  • - ROA 0.87% below tier average
Get updates when First National Bank and Trust Company of Weatherford releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $968.3M
-4.0% YoY +0.3% QoQ
+$581.8M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
Top 1.1% in tier
Total Loans ? $492.0M
-19.4% YoY -7.3% QoQ
+$233.7M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
Top 12.2% in tier
Total Deposits ? $869.7M
-4.6% YoY +0.2% QoQ
+$543.0M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
Top 0.3% in tier
Return on Assets ? 0.45%
-34.5% YoY -7.0% QoQ
-0.87% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
Bottom 11.1% in tier
Net Interest Margin ? 4.29%
+0.4% YoY +0.3% QoQ
+0.30% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
70%
Efficiency Ratio ? 88.37%
+6.9% YoY -1.7% QoQ
+23.89% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
Bottom 7.0% in tier
Delinquency Rate ? 5.58%
-5.6% YoY +0.2% QoQ
+4.67% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
Bottom 1.9% in tier
Loan-to-Deposit Ratio ? 56.57%
-15.5% YoY -7.5% QoQ
-21.38% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
Top 13.9% in tier
Non-Interest-Bearing Deposit Share ? 32.94%
+4.8% YoY -0.9% QoQ
+10.91% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
Top 12.7% in tier
Nonperforming Asset Ratio ? 2.87%
-20.2% YoY -8.5% QoQ
+2.21% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
Bottom 3.6% in tier
Tier 1 Capital Ratio ? 10.44%
+4.0% YoY +2.3% QoQ
-5.47% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
16%
Non-Interest Income / Assets ? 0.37%
+1.1% YoY +97.3% QoQ
-0.19% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
82%

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 32.9%
+1.5pp YoY
-0.3pp QoQ
 +10.8pp 22.1% 29.2% 22.2% 87%
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 10.3%
-0.6pp YoY
+1.4pp QoQ
 -1.3pp 11.6% 14.8% 12.5% 54%
CRE 67.0%
+2.5pp YoY
-0.7pp QoQ
 +27.4pp 39.5% 48.4% 41.4% 91%
1-4 Family 13.0%
-1.6pp YoY
+0.1pp QoQ
 -19.7pp 32.6% 25.8% 31.3% 16%
Consumer 0.8%
-0.2pp YoY
-0.2pp QoQ
 -3.3pp 4.1% 4.7% 5.0% 24%

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 10.4%
+0.4pp YoY
+0.2pp QoQ
 -1.7pp 12.2% 12.6% 12.6% 40%
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 187
-7 (-3.6%) YoY
-1 (-0.5%) QoQ
 +128 58 186 482 99%
Assets per Employee ($) $5.2M
-0.4% YoY
+0.8% QoQ
 -$2.3M $7.5M $10.1M $8.8M 17%
Branch Count 16
+1 (+6.7%) YoY
0 QoQ
 +11 4 12 18 99%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual 5.6%
-0.3pp YoY
0.0pp QoQ
 +4.6pp 0.9% 1.0% 1.0% 98%
Allowance Coverage 0.24x
-6.1% YoY
+1.4% QoQ
 -23.92x 24.15x 18.82x 20.23x 2%
Net Charge-off Rate (YTD) 0.3%
+0.1pp YoY
0.0pp QoQ
 +0.1pp 0.1% 0.1% 0.2% 88%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 4.7%
-2.9pp YoY
-0.4pp QoQ
 -7.5pp 12.2% 13.2% 11.6% 12%
Cost of Funds (YTD) 1.6%
-0.4pp YoY
0.0pp QoQ
 -0.1pp 1.7% 1.6% 1.7% 43%
Net Income ($, YTD) $2.2M
-37.1% YoY
— QoQ
 -$355K $2.6M $15.9M $40.4M 56%

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 (3)

Capital Thin

risk
#32 of 661 • Bottom 4.7% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.44%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Efficiency Drag

risk
#81 of 361 • Bottom 22.2% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 88.37%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank improving

Deposit Outflow

decline
#267 of 535 • Bottom 49.7% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank improving

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 (6 metrics)

8
Total Deposits
size
Value: $869.72M
Peer Median: $326.73M
#8 of 2643 Top 0.3% in $100M-$1B
31
Total Assets
size
Value: $968.32M
Peer Median: $386.57M
#31 of 2643 Top 1.1% in $100M-$1B
324
Total Loans
size
Value: $492.00M
Peer Median: $258.35M
#324 of 2643 Top 12.2% in $100M-$1B
336
Non-Interest-Bearing Deposit Share
funding
Value: 32.94%
Peer Median: 22.03%
#336 of 2643 Top 12.7% in $100M-$1B
368
Loan-to-Deposit Ratio
liquidity
Value: 56.57%
Peer Median: 77.95%
#368 of 2643 Top 13.9% in $100M-$1B
466
Non-Interest Income / Assets
revenue_mix
Value: 0.37%
Peer Median: 0.57%
#466 of 2643 Top 17.6% in $100M-$1B

Top Weaknesses (5 metrics)

2583
Delinquency Rate
credit_quality
Value: 5.58%
Peer Median: 0.92%
#2583 of 2633 Bottom 1.9% in $100M-$1B
2548
Nonperforming Asset Ratio
credit_quality
Value: 2.87%
Peer Median: 0.67%
#2548 of 2643 Bottom 3.6% in $100M-$1B
2460
Efficiency Ratio
profitability
Value: 88.37%
Peer Median: 64.48%
#2460 of 2643 Bottom 7.0% in $100M-$1B
2350
Return on Assets
profitability
Value: 0.45%
Peer Median: 1.32%
#2350 of 2643 Bottom 11.1% in $100M-$1B
2225
Tier 1 Capital Ratio
capital
Value: 10.44%
Peer Median: 15.91%
#2225 of 2643 Bottom 15.9% in $100M-$1B
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