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First Capital Bank
Quanah, TX · FDIC Certificate #3399 · Chartered 01/0
Total assets
$107.27M
Total deposits
$96.78M
Total equity
$10.27M
Net loans
$74.31M
Branches (offices)
2
Net income (YTD)
$920.00K
Rank: #3,627 of 4,213 U.S. banks by assets · #306 of 346 in Texas. Assets changed 5.5% and deposits 5.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.67% |
| Return on equity | 18.63% |
| Net interest margin (YTD) | 6.16% |
| Equity to assets | 9.58% |
| Tier 1 leverage ratio | 9.57% |
| Uninsured deposits (share of deposits) | 26.3% |
| Noncurrent loans (share of loans) | 0.70% |
| Net charge-offs (share of loans) | 1.33% |
| Loans to deposits | 76.8% |
| Real estate loans (share of loans) | 60.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $44.55M | 60.0% | |
| Commercial & industrial | $10.11M | 13.6% | |
| Consumer / individual | $5.22M | 7.0% | |
| Construction & development | $470.00K | 0.6% | |
| Agricultural | $15.51M | 20.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $91.96M | $84.93M | $239.00K | $6.96M |
| Jun 2023 | $80.11M | $72.03M | $718.00K | $7.92M |
| Jun 2024 | $97.94M | $88.67M | $423.00K | $8.98M |
| Jun 2025 | $101.68M | $91.72M | $536.00K | $9.65M |
| Jun 2026 | $107.27M | $96.78M | $920.00K | $10.27M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $96.78M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $96.78M.
Similar-sized banks
Liberty Bank Of New Jersey ($107.36M) · Citizens Bank & Trust ($107.25M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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