Call reports 2026
FIRST NATIONAL BANK OF CENTRAL TEXAS — 2026
What FIRST NATIONAL BANK OF CENTRAL TEXAS reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 1,697,242,000 | 1,774,437,000 |
| Total loans | 1,340,136,000 | 1,378,381,000 |
| Allowance for loan losses | 16,103,000 | 16,534,000 |
| Securities available for sale | 77,532,000 | 74,268,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 1,483,767,000 | 1,551,146,000 |
| Interest-bearing deposits | 1,096,917,000 | 1,154,423,000 |
| Noninterest-bearing deposits | 386,850,000 | 396,723,000 |
| Equity capital | 193,193,000 | 191,175,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 23,253,000 | 48,060,000 |
| Interest expense | 6,121,000 | 12,477,000 |
| Net interest income | 17,132,000 | 35,583,000 |
| Noninterest income | 2,111,000 | 4,308,000 |
| Noninterest expense | 8,427,000 | 17,373,000 |
| Provision for loan losses | 26,000 | 456,000 |
| Pretax income | 10,521,000 | 21,618,000 |
| Income tax | 0 | 0 |
| Net income | 10,521,000 | 21,618,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 198,280,000 | 196,352,000 |
| Total capital | 214,804,000 | 213,241,000 |
| Risk-weighted assets | 1,320,251,000 | 1,349,203,000 |