First Capital Bank
Quanah, Texas · FDIC Cert #3399
First Capital Bank is an FDIC-insured bank (Certificate #3399) with $98M in total assets and $89M in total deposits as of the Q2 2024 Call Report. Headquartered in Quanah, Texas, the bank maintains a Tier 1 capital ratio of 11.73% (Well-Capitalized) and a nonperforming loan ratio of 1.31%. BankHealthData assigns a composite Health Grade of C (55/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
First Capital Bank (FDIC cert 3399) is a community bank — $98M in total assets, $89M in deposits, serving the Quanah, Texas area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 11.73% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is normal: non-performing loan ratio of 1.31% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is thin: 4.5% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is solid: ROA of 1.21% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. First Capital Bank carries a composite BankHealth grade of C (55/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: First Capital Bank
- Total Assets
- $98M
- Total Deposits
- $89M
- Tier 1 Capital Ratio
- 11.73%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.31%
- Liquidity Ratio
- 4.51%
- Return on Assets
- 1.21%
- Headquarters
- Quanah, Texas
- FDIC Certificate
- #3399
- Health Grade
- C (55/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, First Capital Bank holds a Tier 1 capital ratio of 11.73%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning First Capital Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
First Capital Bank shows average financial health. While not alarming, its Health Score of 55/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How First Capital Bank Compares
First Capital Bank’s Health Score of 55 is 19 points below the Texas state average of 74 across 321 FDIC-insured banks. Its 11.73% Tier 1 capital ratio is 2.3 points below the US banking industry average near 14%. The 1.31% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.21% is in line with or above the national ROA benchmark of ~1.1%. Among 1082 similarly-sized banks, the average Health Score is 68, meaning this bank ranks below its size cohort. Site-wide, First Capital Bank is 15 points below the portfolio average of 70.
Frequently Asked Questions
First Capital Bank has a Bank Health Score of C (55/100), placing it in average financial health. It holds a Tier 1 capital ratio of 11.73%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. First Capital Bank's Tier 1 capital ratio of 11.73% and nonperforming loan ratio of 1.31% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at First Capital Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #3399). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
First Capital Bank holds $98M in total assets and $89M in total deposits. It is headquartered in Quanah, Texas (FDIC Certificate #3399).
First Capital Bank has a Tier 1 capital ratio of 11.73%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.31%, and the return on assets is 1.21%.
Yes. First Capital Bank is FDIC-insured (Certificate #3399). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
First Capital Bank's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.