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 is compared with 846 verified institutions in its asset cohort for Q3 2026. A percentile of 50 means the bank sits at the cohort median; higher means a larger value than most peers, which is better or worse depending on the metric.
Efficiency ratio (official UBPR): FIRST NB&T CO OF WEATHERFORD reported 0.825, in the 91.1th percentile of 846 peers, where the median is 0.615. Net interest margin (official UBPR): FIRST NB&T CO OF WEATHERFORD reported 0.042, in the 85.3th percentile of 846 peers, where the median is 0.034. Interest Income (TE) as a percent of Average Assets: FIRST NB&T CO OF WEATHERFORD reported 0.057, in the 77.3th percentile of 846 peers, where the median is 0.052. Interest Expense as a percent of Average Assets: FIRST NB&T CO OF WEATHERFORD reported 0.018, in the 41.2th percentile of 846 peers, where the median is 0.019. Net Interest Income (TE) % of Avg Assets: FIRST NB&T CO OF WEATHERFORD reported 0.039, in the 85.0th percentile of 846 peers, where the median is 0.032. Noninterest Income as a percent of Average Assets: FIRST NB&T CO OF WEATHERFORD reported 0.007, in the 65.8th percentile of 846 peers, where the median is 0.006. Non-Interest Expense as a percent of Average Assets: FIRST NB&T CO OF WEATHERFORD reported 0.038, in the 92.5th percentile of 846 peers, where the median is 0.024. Provision for Loan Losses % of Avg Assets: FIRST NB&T CO OF WEATHERFORD reported 0.000, in the 7.9th percentile of 846 peers, where the median is 0.001. Pretax Operating Income (TE) % of Avg Assets: FIRST NB&T CO OF WEATHERFORD reported 0.009, in the 20.7th percentile of 846 peers, where the median is 0.013. Realized Gains(Losses) on the sale of Securities as a percent of Average Assets: FIRST NB&T CO OF WEATHERFORD reported 0.000, in the 10.5th percentile of 846 peers, where the median is 0.000. Pretax Net Operating Income (TE) as a percent of Average Assets: FIRST NB&T CO OF WEATHERFORD reported 0.009, in the 20.8th percentile of 846 peers, where the median is 0.013. Net Operating Income as a percent of Average Assets: FIRST NB&T CO OF WEATHERFORD reported 0.007, in the 21.7th percentile of 846 peers, where the median is 0.011. Net Income Adjusted for Sub Chapter S Status as a percent of Average Assets: FIRST NB&T CO OF WEATHERFORD reported 0.007, in the 22.0nd percentile of 846 peers, where the median is 0.010. Average Earning Assets as a percent of Average Assets: FIRST NB&T CO OF WEATHERFORD reported 0.928, in the 14.1th percentile of 846 peers, where the median is 0.955. Average Interest-Bearing Funds as a percent of Average Assets: FIRST NB&T CO OF WEATHERFORD reported 0.609, in the 12.2th percentile of 846 peers, where the median is 0.727. Interest Income (TE) as a percent of Average Earning Assets: FIRST NB&T CO OF WEATHERFORD reported 0.062, in the 82.0nd percentile of 846 peers, where the median is 0.055. Net Interest Income (TE) as a percent of Average Earning Assets: FIRST NB&T CO OF WEATHERFORD reported 0.042, in the 85.3th percentile of 846 peers, where the median is 0.034. Net Loss as a percent of Average Total Loans and Leases: FIRST NB&T CO OF WEATHERFORD reported 0.002, in the 79.8th percentile of 837 peers, where the median is 0.000. Total LN&LS-30-89 DAYS Past Due %: FIRST NB&T CO OF WEATHERFORD reported 0.015, in the 95.0th percentile of 837 peers, where the median is 0.003. Net Loans & Leases as a percent of Total Deposits: FIRST NB&T CO OF WEATHERFORD reported 0.669, in the 13.1th percentile of 841 peers, where the median is 0.868. Net Income Attributed to Minority Interests as a percent of Average Assets: FIRST NB&T CO OF WEATHERFORD reported 0.000, in the 0.4th percentile of 846 peers, where the median is 0.000. Unrealized holding gains (losses) on equity securities not held for trading as a percent of average assets: FIRST NB&T CO OF WEATHERFORD reported 0.000, in the 2.2th percentile of 846 peers, where the median is 0.000. Provision for Losses Other Assets % of Avg Assets: FIRST NB&T CO OF WEATHERFORD reported -0.000, in the 3.7th percentile of 846 peers, where the median is 0.000. Pre Provision Net Revenue YTD % of Average Assets (TE): FIRST NB&T CO OF WEATHERFORD reported 0.008, in the 13.8th percentile of 846 peers, where the median is 0.015. Return on assets (official UBPR): FIRST NB&T CO OF WEATHERFORD reported 0.007, in the 21.7th percentile of 846 peers, where the median is 0.011. Return on equity (official UBPR): FIRST NB&T CO OF WEATHERFORD reported 0.076, in the 27.0th percentile of 845 peers, where the median is 0.108.
Peer history below covers 10 quarters of FIRST NB&T CO OF WEATHERFORD's reported assets, deposits, net loans, ROA, ROE and NIM, most recently Q3 2026.
| Metric | Bank value | Peer median | Percentile | Peers |
|---|---|---|---|---|
| Efficiency ratio (official UBPR) | 0.825 | 0.615 | 91.1th | 846 |
| Net interest margin (official UBPR) | 0.042 | 0.034 | 85.3th | 846 |
| Interest Income (TE) as a percent of Average Assets | 0.057 | 0.052 | 77.3th | 846 |
| Interest Expense as a percent of Average Assets | 0.018 | 0.019 | 41.2th | 846 |
| Net Interest Income (TE) % of Avg Assets | 0.039 | 0.032 | 85.0th | 846 |
| Noninterest Income as a percent of Average Assets | 0.007 | 0.006 | 65.8th | 846 |
| Non-Interest Expense as a percent of Average Assets | 0.038 | 0.024 | 92.5th | 846 |
| Provision for Loan Losses % of Avg Assets | 0.000 | 0.001 | 7.9th | 846 |
| Pretax Operating Income (TE) % of Avg Assets | 0.009 | 0.013 | 20.7th | 846 |
| Realized Gains(Losses) on the sale of Securities as a percent of Average Assets | 0.000 | 0.000 | 10.5th | 846 |
| Pretax Net Operating Income (TE) as a percent of Average Assets | 0.009 | 0.013 | 20.8th | 846 |
| Net Operating Income as a percent of Average Assets | 0.007 | 0.011 | 21.7th | 846 |
| Net Income Adjusted for Sub Chapter S Status as a percent of Average Assets | 0.007 | 0.010 | 22.0nd | 846 |
| Average Earning Assets as a percent of Average Assets | 0.928 | 0.955 | 14.1th | 846 |
| Average Interest-Bearing Funds as a percent of Average Assets | 0.609 | 0.727 | 12.2th | 846 |
| Interest Income (TE) as a percent of Average Earning Assets | 0.062 | 0.055 | 82.0nd | 846 |
| Net Interest Income (TE) as a percent of Average Earning Assets | 0.042 | 0.034 | 85.3th | 846 |
| Net Loss as a percent of Average Total Loans and Leases | 0.002 | 0.000 | 79.8th | 837 |
| Total LN&LS-30-89 DAYS Past Due % | 0.015 | 0.003 | 95.0th | 837 |
| Net Loans & Leases as a percent of Total Deposits | 0.669 | 0.868 | 13.1th | 841 |
| Net Income Attributed to Minority Interests as a percent of Average Assets | 0.000 | 0.000 | 0.4th | 846 |
| Unrealized holding gains (losses) on equity securities not held for trading as a percent of average assets | 0.000 | 0.000 | 2.2th | 846 |
| Provision for Losses Other Assets % of Avg Assets | -0.000 | 0.000 | 3.7th | 846 |
| Pre Provision Net Revenue YTD % of Average Assets (TE) | 0.008 | 0.015 | 13.8th | 846 |
| Return on assets (official UBPR) | 0.007 | 0.011 | 21.7th | 846 |
| Return on equity (official UBPR) | 0.076 | 0.108 | 27.0th | 845 |
Peers
| Ratio | Value | Peer median | Percentile | Band | Direction |
|---|---|---|---|---|---|
| Efficiency ratio (official UBPR) | 0.825 | 0.615 | 91 | Bottom 20% | lower is better |
| Net interest margin (official UBPR) | 0.042 | 0.034 | 85 | No band | no single better direction |
| Interest Income (TE) as a percent of Average Assets | 0.057 | 0.052 | 77 | No band | no single better direction |
| Interest Expense as a percent of Average Assets | 0.018 | 0.019 | 41 | No band | no single better direction |
| Net Interest Income (TE) % of Avg Assets | 0.039 | 0.032 | 85 | No band | no single better direction |
| Noninterest Income as a percent of Average Assets | 0.007 | 0.006 | 66 | No band | no single better direction |
| Non-Interest Expense as a percent of Average Assets | 0.038 | 0.024 | 93 | No band | no single better direction |
| Provision for Loan Losses % of Avg Assets | 0.000 | 0.001 | 8 | No band | no single better direction |
| Pretax Operating Income (TE) % of Avg Assets | 0.009 | 0.013 | 21 | No band | no single better direction |
| Realized Gains(Losses) on the sale of Securities as a percent of Average Assets | 0.000 | 0.000 | 11 | No band | no single better direction |
| Pretax Net Operating Income (TE) as a percent of Average Assets | 0.009 | 0.013 | 21 | No band | no single better direction |
| Net Operating Income as a percent of Average Assets | 0.007 | 0.011 | 22 | No band | no single better direction |
| Net Income Adjusted for Sub Chapter S Status as a percent of Average Assets | 0.007 | 0.010 | 22 | No band | no single better direction |
| Average Earning Assets as a percent of Average Assets | 0.928 | 0.955 | 14 | No band | no single better direction |
| Average Interest-Bearing Funds as a percent of Average Assets | 0.609 | 0.727 | 12 | No band | no single better direction |
| Interest Income (TE) as a percent of Average Earning Assets | 0.062 | 0.055 | 82 | No band | no single better direction |
| Net Interest Income (TE) as a percent of Average Earning Assets | 0.042 | 0.034 | 85 | No band | no single better direction |
| Net Loss as a percent of Average Total Loans and Leases | 0.002 | 0.000 | 80 | No band | no single better direction |
| Total LN&LS-30-89 DAYS Past Due % | 0.015 | 0.003 | 95 | No band | no single better direction |
| Net Loans & Leases as a percent of Total Deposits | 0.669 | 0.868 | 13 | No band | no single better direction |
| Net Income Attributed to Minority Interests as a percent of Average Assets | 0.000 | 0.000 | 0 | No band | no single better direction |
| Unrealized holding gains (losses) on equity securities not held for trading as a percent of average assets | 0.000 | 0.000 | 2 | No band | no single better direction |
| Provision for Losses Other Assets % of Avg Assets | -0.000 | 0.000 | 4 | No band | no single better direction |
| Pre Provision Net Revenue YTD % of Average Assets (TE) | 0.008 | 0.015 | 14 | No band | no single better direction |
| Return on assets (official UBPR) | 0.007 | 0.011 | 22 | No band | no single better direction |
| Return on equity (official UBPR) | 0.076 | 0.108 | 27 | No band | no single better direction |
Peers
| Measure | This bank | Change in peer median | Difference | Peer percentile today |
|---|---|---|---|---|
| Total assets | 0.07% | 0.77% | -0.71 pts | 1 |
| Total deposits | -0.39% | 1.70% | -2.09 pts | 9 |
| Net loans and leases | -15.29% | 3.67% | -18.96 pts | 5 |
The peer figure is the change in the peer-group median, which is not the same as the median of each peer's own growth. Treat it as a guide to whether the bank is growing faster or slower than its group.
Peers
Share of the 15 closest banks by size (in the same state) that grew or shrank last quarter.
| Measure | Growing | Shrinking | Banks reporting |
|---|---|---|---|
| Total assets | 60.00% | 40.00% | 15 |
| Total deposits | 60.00% | 40.00% | 15 |
| Net loans and leases | 80.00% | 20.00% | 15 |
Quarter-over-quarter change from each bank's latest filing. A bank with no change counts in neither column. Credit events such as new nonaccrual loans need each peer's own filings and are not shown here.
Based on the 15 closest banks by size.
Peer interpretation
Under $1B asset cohort · 3148 institutions
Deterministic peer comparison, not a regulatory rating or diagnosis. “Opportunity” means lower favorable percentile within this asset cohort.
Period-matched peer context
Percentiles use 846 verified constituents for the same filing period.
Historical peer positioning
Period-matched asset cohort. Position describes the distribution only; it is not a rating.
| Metric | 2023-03 | 2024-03 | 2024-06 | 2024-09 | 2024-12 | 2025-03 | 2025-06 | 2026-03 | 2026-06 | 2026-09 |
|---|---|---|---|---|---|---|---|---|---|---|
| Total assetsASSET | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | — | — | — |
| Total depositsDEP | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | — | — | — |
| Net loansLNLSNET | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | < P25 | — | — | — |
| Return on assetsROA | P25–75 | P25–75 | P25–75 | < P25 | P25–75 | P25–75 | < P25 | — | — | — |
| Return on equityROE | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | P25–75 | — | — | — |
| Net interest marginNIMY | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | > P75 | — | — | — |
Cohorts are matched separately for each reporting period. Above or below a peer quartile can be favorable, unfavorable, or neutral depending on the measure and context.