First Nb Of Central Texas (FDIC #3325): Bank Stress & Real-Estate Credit Exposure
First Nb Of Central Texas (FDIC Cert #3325): bank stress 37/100, contained, STABLE over 7 days; parent 2013 MONTE HULSE FAMILY IRREVOCABLE TR I.
First Nb Of Central Texas (#3325) lends in 4 counties across 1 state; First Nb Of Central Texas (#3325) reaches 68 ZIP codes: Texas 4 counties, 68 ZIPs.
First Nb Of Central Texas (#3325) largest markets: Mclennan County, TX (116 branches, 29 ZIPs) (#3325), Hill County, TX (19 branches, 19 ZIPs) (#3325), Coryell County, TX (17 branches, 17 ZIPs) (#3325), Brazos County, TX (11 branches, 11 ZIPs) (#3325).
First Nb Of Central Texas (#3325) reports $1.77 billion in total assets; First Nb Of Central Texas (#3325) equity $191.2 million (10.8% of First Nb Of Central Texas (#3325) assets); First Nb Of Central Texas (#3325) domestic deposits $1.55 billion; First Nb Of Central Texas (#3325) net income $21.6 million; First Nb Of Central Texas (#3325) return on assets 2.55%; First Nb Of Central Texas (#3325) return on equity 22.60%; First Nb Of Central Texas (#3325) net interest income $35.6 million; First Nb Of Central Texas (#3325) call report June 30, 2026.
First Nb Of Central Texas (#3325) noncurrent real-estate loans 0.02% of its book; First Nb Of Central Texas (#3325) net charge-offs on real estate 0.12%; First Nb Of Central Texas (#3325) residential charge-offs 0.08%.
First Nb Of Central Texas (#3325) net interest margin 4.47% against an eight-quarter First Nb Of Central Texas (#3325) average of 4.23% (First Nb Of Central Texas (#3325) compression -0.24 points); First Nb Of Central Texas (#3325) real-estate loans 1.9% of equity; First Nb Of Central Texas (#3325) non-residential real estate 8.0% of equity; First Nb Of Central Texas (#3325) rate-exposure score 40/100, First Nb Of Central Texas (#3325) fixed-rate trap 40/100; First Nb Of Central Texas (#3325) risk type rate trapped; First Nb Of Central Texas (#3325) rate regime rates elevated, First Nb Of Central Texas (#3325) snapshot October 19, 2026.
First Nb Of Central Texas (#3325) stress score moved from 33.7 on June 22, 2026 to 36.8 on October 19, 2026; First Nb Of Central Texas (#3325) ranged 33.7 to 36.8 over 116 snapshots.
First Nb Of Central Texas (#3325) alerts: 4 counties; top First Nb Of Central Texas (#3325) alert scores: College Station County, TX 14 (low); Gatesville County, TX 14 (low); Hillsboro County, TX 14 (low); Woodway County, TX 14 (low).