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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Weatherford, TX · FDIC certificate #5575 · RSSD 614368
FIRST NB&T CO OF WEATHERFORD is an FDIC-insured institution based in Weatherford, TX (FDIC certificate #5575). In its Q3 2026 Call Report it reported total assets of $952M, total deposits of $856M and net loans of $498M. Its primary federal regulator is OCC. Its current parent is FIRST BAIRD BANCSHARES, INC..
Plain-language readout
FIRST NB&T CO OF WEATHERFORD has 10 quarters of reported history on file, from Q1 2023 to Q3 2026.
Total assets peaked at $1.0B in Q3 2024 and were lowest at $952M in Q3 2026.
Total deposits were highest at $939M in Q1 2023 and lowest at $856M in Q3 2026.
Over the whole period total assets fell 6.5%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $952M | $856M | $498M | 0.49% | 5.06% | 4.22% |
| Q2 2026 | $968M | $870M | $492M | 0.45% | 4.65% | 4.29% |
| Q1 2026 | $965M | $868M | $531M | 0.49% | 5.03% | 4.28% |
| Q2 2025 | $1.0B | $912M | $610M | 0.69% | 7.56% | 4.28% |
| Q1 2025 | $1.0B | $907M | $666M | 0.70% | 7.68% | 4.32% |
| Q4 2024 | $1.0B | $926M | $693M | 0.63% | 7.13% | 4.56% |
| Q3 2024 | $1.0B | $938M | $703M | 0.56% | 6.43% | 4.57% |
| Q2 2024 | $1.0B | $915M | $720M | 0.96% | 11.05% | 4.71% |
| Q1 2024 | $1.0B | $929M | $731M | 1.04% | 12.16% | 4.74% |
| Q1 2023 | $1.0B | $939M | $736M | 0.81% | 10.74% | 4.52% |
Branches
21 branches of 11 other banks sit within 10 miles of First National Bank and Trust Company of Weatherford.
Filled dots are this bank's branches; open dots are other banks' branches inside the radius; the red ring marks the centre. Drawn to scale on a flat projection, without a base map.
| Bank | Branches in radius |
|---|---|
| FIRST FINANCIAL BANK | 5 |
| FIRST NATIONAL BANK TEXAS | 2 |
| JPMORGAN CHASE BANK NA | 2 |
| PLAINSCAPITAL BANK | 2 |
| PNC BANK NATIONAL ASSN | 2 |
| PROSPERITY BANK | 2 |
| TEXASBANK | 2 |
| BANK OF AMERICA NA | 1 |
| CITIZENS NB OF TEXAS | 1 |
| COMMUNITY NB&T OF TEXAS | 1 |
| SOUTHSIDE BANK | 1 |
Branch locations are from the FDIC institution directory. Deposits per branch are on the History page.
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $248.7M | $191.0M | +$57.7M | +30.2% |
| Federal funds sold | $5K | $0K | +$5K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $155.9M | $170.7M | -$14.9M | -8.7% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $1.0M | $500K | +$522K | +104.4% |
| Net loans and leases (after allowance) | $491.0M | $530.3M | -$39.3M | -7.4% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $34.8M | $35.1M | -$240K | -0.7% |
| Other real estate owned | $354K | $725K | -$371K | -51.2% |
| Investments in unconsolidated subsidiaries and associated companies | $32K | $31K | +$1K | +3.2% |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $36.5M | $37.1M | -$515K | -1.4% |
| Total assets | $968.3M | $965.4M | +$2.9M | +0.3% |
| Liabilities | ||||
| Total deposits | $869.7M | $868.3M | +$1.4M | +0.2% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $2.9M | $2.6M | +$305K | +11.8% |
| Total liabilities | $872.6M | $870.9M | +$1.7M | +0.2% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $500K | $500K | $0K | 0.0% |
| Surplus | $8.0M | $8.0M | $0K | 0.0% |
| Retained earnings | $92.4M | $91.4M | +$1.0M | +1.1% |
| Accumulated other comprehensive income | -$5.3M | -$5.5M | +$201K | +3.7% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $95.7M | $94.5M | +$1.2M | +1.3% |
| Credit and capital | ||||
| Gross nonperforming assets | $27.8M | $30.3M | -$2.5M | -8.2% |
| Adjusted nonperforming assets | $27.7M | $30.2M | -$2.5M | -8.2% |
| Tangible equity plus allowance | $102.2M | $101.4M | +$812K | +0.8% |
| Texas ratio (gross) | 27.22% | 29.90% | -2.68 pts | See points |
| Texas ratio (adjusted) | 27.13% | 29.81% | -2.67 pts | See points |
| Texas ratio (adjusted, with performing restructured) | Not reported | Not reported | Not reported | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 10.44% | 10.20% | +0.23 pts | See points |
| Construction and land loans to total capital | 82.75% | 88.57% | -5.82 pts | See points |
| Commercial real estate to total capital | 202.29% | 223.42% | -21.12 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -6.61% | -6.93% | +0.32 pts | See points |
| Liquidity | ||||
| Core deposits | $791.0M | $788.0M | +$3.0M | +0.4% |
| Non-core funding | $78.7M | $80.3M | -$1.6M | -2.0% |
| Loans to core deposits | 62.89% | 68.18% | -5.28 pts | See points |
| Loans to deposits | 57.20% | 61.87% | -4.67 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 23.56% | 24.93% | -1.37 pts | See points |
| Loans pledged, share of loans | 54.95% | 52.87% | +2.07 pts | See points |
| Volatile liabilities | $78.7M | $80.3M | -$1.6M | -2.0% |
| Earnings | ||||
| Earnings before provision, year to date | $2.6M | $1.1M | +$1.5M | +131.1% |
| Earnings before provision, single quarter | $1.5M | $1.1M | +$354K | +31.1% |
| Provision for credit losses, year to date | -$154K | -$350K | +$196K | +56.0% |
| Yield and cost | ||||
| Yield on loans and leases | 7.77% | 7.64% | +0.14 pts | See points |
| Yield on interest-bearing balances due from banks | 3.60% | 3.59% | +0.01 pts | See points |
| Total interest income to average assets | 5.37% | 5.36% | +0.01 pts | See points |
| Cost of interest-bearing transaction accounts | 1.60% | 1.45% | +0.15 pts | See points |
| Cost of savings and money market deposits | 1.69% | 1.67% | +0.02 pts | See points |
| Cost of time deposits | 3.39% | 3.48% | -0.09 pts | See points |
| Total interest expense to average assets | 1.43% | 1.48% | -0.06 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
Deterministic, evidence-linked observations only — not a prediction, rating or recommendation. What counts as Notable.
First National Bank and Trust Company of Weatherford changed deposits by −$4.6M and market share by -4.255319 points in Knox County, TX
Source ↗First National Bank and Trust Company of Weatherford changed deposits by $4.6M and market share by 8.931949 points in Haskell County, TX
Source ↗First National Bank and Trust Company of Weatherford changed deposits by $5.2M and market share by 1.698371 points in Callahan County, TX
Source ↗First National Bank and Trust Company of Weatherford changed deposits by −$10.1M and market share by -1.16875 points in Parker County, TX
Source ↗First National Bank and Trust Company of Weatherford changed deposits by −$2.5M and market share by -5.350079 points in Jones County, TX
Source ↗Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $952M | $856M | $498M | 0.49% | 5.06% | 4.22% |
| 2026-06-30 | $968M | $870M | $492M | 0.45% | 4.65% | 4.29% |
| 2026-03-31 | $965M | $868M | $531M | 0.49% | 5.03% | 4.28% |
| 2025-06-30 | $1.0B | $912M | $610M | 0.69% | 7.56% | 4.28% |
| 2025-03-31 | $1.0B | $907M | $666M | 0.70% | 7.68% | 4.32% |
| 2024-12-31 | $1.0B | $926M | $693M | 0.63% | 7.13% | 4.56% |
| 2024-09-30 | $1.0B | $938M | $703M | 0.56% | 6.43% | 4.57% |
| 2024-06-30 | $1.0B | $915M | $720M | 0.96% | 11.05% | 4.71% |
| 2024-03-31 | $1.0B | $929M | $731M | 1.04% | 12.16% | 4.74% |
| 2023-03-31 | $1.0B | $939M | $736M | 0.81% | 10.74% | 4.52% |
Branch and geographic intelligence
FDIC branch-location snapshot dated 2026-08-22
| Market | State | Locations | Main offices | Earliest establishment |
|---|---|---|---|---|
| Abilene | TX | 3 | 0 | Unavailable |
| Weatherford | TX | 2 | 1 | Unavailable |
| Willow Park | TX | 2 | 0 | Unavailable |
| Baird | TX | 1 | 0 | Unavailable |
| Bedford | TX | 1 | 0 | Unavailable |
| Clyde | TX | 1 | 0 | Unavailable |
| Fort Worth | TX | 1 | 0 | Unavailable |
| Grapevine | TX | 1 | 0 | Unavailable |
| Haskell | TX | 1 | 0 | Unavailable |
| Hudson Oaks | TX | 1 | 0 | Unavailable |
| Munday | TX | 1 | 0 | Unavailable |
| Stamford | TX | 1 | 0 | Unavailable |
Reviewed NIC structure change on 2021-02-20: RSSD 75558 → 614368 (1). The location count above reflects the current combined network and is not itself a measure of organic branch growth.
Branch locations reflect the latest registered FDIC location release, not real-time openings. Opening/closing attribution to organic growth vs. merger activity remains unavailable beyond the reviewed structure changes noted above. Annual deposit market share by state is available separately, below.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| TX | $911.8M | 0.06% | 118 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
Ownership, transformations and revisions
NIC relationships are time-bounded. Reviewed filing revisions remain distinct from mergers.
FIRST BAIRD BANCSHARES, INC.RSSD 1105751 · 2011-08-19 to current
Unresolved entityRSSD 2126922 · 2002-12-31 to 2011-08-18
Unresolved entityRSSD 1249981 · 1988-06-23 to 2002-12-30
Unresolved entityRSSD 1103337 · 1983-12-31 to 1988-06-22
Unresolved entityRSSD 1103337 · 1978-12-01 to 1983-12-30
Unresolved entityRSSD 3253272 · 2017-07-01 to 2020-02-04
Unresolved entityRSSD 3253272 · 2003-11-21 to 2016-01-08
2021-02-20RSSD 75558 → 614368 · code 1
No reviewed revisions published.
Latest registered batch · retrieved Nov 13, 2026, 9:56 PM UTC · SHA-256 ed672d3d5db4d4a7219e7b578e217752940125a23284d56e2da0f5ecb1d0d536 · source ↗