Is First Nb of Central Texas Safe?
First Nb of Central Texas has a Bank Health Score of 92/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while liquidity is its weakest area (76/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 15.36% | 100/100 |
| Nonperforming Loan Ratio | 0.34% | 93/100 |
| Liquidity Ratio | 24.08% | 76/100 |
| Return on Assets | 2.44% | 100/100 |
| Total Assets | $1.6B | |
How does First Nb of Central Texas compare?
With a Bank Health Score of 92/100, First Nb of Central Texas sits 22.0 points above the national average of 70/100 for FDIC-insured banks. Within Texas, where 321 FDIC-insured banks are headquartered, First Nb of Central Texas ranks above the state average of 74/100 (Grade B).
The bank's Tier 1 capital ratio of 15.36% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.34% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, First Nb of Central Texas's Bank Health Score improved by 10.0 points to 92/100. Tier 1 capital strengthened by 4.19 percentage points to 15.36%. Quarter-over-quarter, the score fell by 4.0 points.
First Nb of Central Texas has a Bank Health Score of 92/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while liquidity is its weakest area (76/100).