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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southwest · Texas, the state note

First National Bank & Trust Co. of Weatherford

Weatherford, Texas · $968M in assets · beside the 11 other Texas banks between $300M and $1B

The filing

-19.5%
Loans, year over year
12th of 12, largest first
57.3%
Loans / deposits
2nd of 12
5.51%
NPA / loans
11th of 12

First National Bank & Trust Co. of Weatherford is the sixth largest of the 12 Texas banks nearest its size between $300M and $1B, with $968M in assets at 30 June 2026. Loans are 57.3% of deposits, 2nd of 12 against a median of 81.6%, and equity is 9.9% of assets, 8th of 12. Loans grew -19.5% in the year, the slowest in the cohort, and deposits fell 4.6%; the cohort's median loan growth is +5.7%.

Noncurrent loans are 5.51% of the book, 11th of 12 against a median of 0.50%; 3.21% is 30 to 89 days past due, and the allowance covers them 0.2 times. Net charge-offs are 0.28% of loans, 11th of 12. Commercial real estate is 43.6% of loans, 8th of 12 against a median of 39.8%, and 215% of capital, below the 300% screen, with construction at 88% against the 100% screen.

Return on assets is 0.45%, 11th of 12 against a median of 1.39%, on an efficiency ratio of 88.4%, 11th of 12. Five years ago it was 0.96%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Loans as a share of depositsTX banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 81.6% TB Titan Bank N A 54.4% FN First National Bank & Trust Co. of Weatherford 57.3% FN First National Bank of Granbury 63.6% RT Round Top State Bank 68.9% TB Transpecos Banks SSB 75.6% HB Hometown Bank National Association 78.3% TB Texas Bank 84.9% NN Newfirst National Bank 85.8% CB Ciera Bank 87.9% TP Tolleson Private Bank 88.6% WB Western Bank 97.0% TH Texas Heritage National Bank 99.0%
Loans, year over yearTX banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +5.7% TB Titan Bank N A +24.1% WB Western Bank +18.2% TB Transpecos Banks SSB +17.2% CB Ciera Bank +13.1% HB Hometown Bank National Association +7.1% FN First National Bank of Granbury +6.2% TB Texas Bank +5.1% RT Round Top State Bank +4.1% TP Tolleson Private Bank +1.0% NN Newfirst National Bank -1.5% TH Texas Heritage National Bank -2.6% FN First National Bank & Trust Co. of Weatherford -19.5%

SBA 7(a), FY2008 to FY2026

First National Bank & Trust Co. of Weatherford is the 78th largest 7(a) lender into Texas of 706, with $125M across 289 loans, 0.3% of everything approved in the state (Live Oak Banking Company leads with $2.53B). 21 of its 23 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Texas, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Taylor, TX$76M1st of 7329.7%-32.1 pts
Tarrant, TX$9M80th of 2810.2%quiet FY2017
Callahan, TX$8M1st of 1332.4%+28.2 pts
Dallas, TX$7M122nd of 3140.1%quiet FY2013
Midland, TX$5M11th of 902.2%quiet FY2021
Palo Pinto, TX$5M2nd of 328.8%quiet FY2020
Shackelford, TX$3M1st of 457.1%quiet FY2012
Stephens, TX$2M2nd of 1014.6%quiet FY2011
Parker, TX$2M34th of 920.7%quiet FY2021
Jones, TX$2M1st of 1228.0%quiet FY2020
Brown, TX$1M5th of 216.7%quiet FY2012
Denton, TX$1M145th of 2240.1%quiet FY2018
Harris, TX$1M225th of 3140.0%quiet FY2014
10 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services44$30M23.7%0.04%313th of 2,596
Construction46$15M12.3%0.05%287th of 2,063
Wholesale trade15$15M12.0%0.06%227th of 1,651
Manufacturing31$14M11.6%0.04%362nd of 2,246
Retail trade45$10M8.3%0.02%474th of 2,589
7(a) lenders into Texas, share of approvals since FY2008706 lenders on record; the ten largest and First National
LO Live Oak Banking Company 5.8% $2.53B · 1,820 loans TH The Huntington National Bank 5.2% $2.28B · 3,585 loans WF Wells Fargo Bank National Associa… 4.6% $2.02B · 7,244 loans PB PNC Bank, National Association 3.9% $1.70B · 8,154 loans JC JPMorgan Chase Bank, National Ass… 3.4% $1.49B · 7,339 loans WB Wallis Bank 3.2% $1.41B · 1,134 loans CB Celtic Bank Corporation 2.0% $879M · 1,359 loans Bo Bank of Hope 1.7% $741M · 1,359 loans RL Readycap Lending, LLC 1.7% $728M · 1,216 loans EB Enterprise Bank & Trust 1.6% $717M · 569 loans FN First National Bank and Trust Com… 0.3% $125M · 289 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 6 CBLR filers, First National among them; owner-occupied excluded; bold marks a screen met
First NationalRankCohort median
Total CRE against capital, the 300% screen215%6th of 12241%
Construction against capital, the 100% screen88%7th of 1284%
Construction and land development, share of loans17.8%9th of 1214.3%
Non-owner-occupied nonfarm nonresidential, share of loans24.3%8th of 1218.2%
Total CRE, the guidance definition, share of loans43.6%8th of 1239.8%
CRE growth over 36 months, the third prong-30.4%2nd of 12+16.5%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Ciera Bank$993M1.5%58.3%1.22%0.21%1.6%87.9%11.2%
Hometown Bank National Association$990M1.1%59.3%0.04%0.01%1.1%78.3%9.5%
Tolleson Private Bank$982M1.6%61.1%0.00%0.00%1.0%88.6%8.7%
Round Top State Bank$974M1.2%50.1%0.36%0.00%0.9%68.9%10.4%
Transpecos Banks SSB$972M-1.6%146.4%8.15%0.00%1.0%75.6%6.7%
First National Bank & Trust Co. of Weatherford$968M0.5%88.4%5.51%0.28%1.3%57.3%9.9%
Texas Bank$954M1.2%64.9%0.46%0.52%1.1%84.9%10.6%
Western Bank$947M1.9%62.9%0.31%0.00%1.2%97.0%8.9%
First National Bank of Granbury$946M1.3%58.1%0.78%0.01%1.2%63.6%11.1%
Texas Heritage National Bank$936M1.4%63.6%1.27%0.04%1.3%99.0%10.1%
Newfirst National Bank$935M3.3%39.5%0.21%0.01%1.4%85.8%12.4%
Titan Bank N A$896M7.3%11.8%0.54%0.00%1.2%54.4%12.6%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
First NationalCohort median
20212026Change20212026Change
Loans$596M$499M-16%$447M$697M+56%
Deposits$796M$870M+9%$717M$846M+18%
NPA / loans1.20%5.51%+4.31 pts0.37%0.50%+0.13 pts
Efficiency72.2%88.4%+16.1 pts57.8%60.2%+2.4 pts
ROA0.96%0.45%-0.51 pts1.48%1.39%-0.09 pts

This read was prepared for First National Bank & Trust Co. of Weatherford's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on First National Bank & Trust Co. of Weatherford is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort TX banks $300M to $1B
Institution www.go2fbt.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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