# NEWFIRST NATIONAL BANK
EL CAMPO, TX · FDIC certificate 3183 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $934.9M | |
| Deposits | $810.9M | |
| Loans and leases | $695.4M | |
| Total equity | $115.7M | |
| Loans / deposits | 84.57% (p58 of band) | 82.04% |
| Liquid assets / assets | 22.62% (p42 of band) | |
| Uninsured deposits / deposits | 30.99% (p69 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.47% (p74 of band) | 10.81% |
| Unrealized securities loss / equity | -1.09% (p86 of band) | -8.10% |
| AOCI / equity | 0.13% (p85 of band) | |
| ROA (annualized) | 3.27% (p98 of band) | 1.28% |
| Net interest margin | 5.28% (p97 of band) | 3.91% |
| Efficiency ratio | 39.52% (p5 of band) | |
| Noncurrent loans | 0.21% (p34 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p50 of band) | |
| Reserve coverage of noncurrent | 665.88% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 108.68% (p89 of band) | |
| Auto loans | $541,000 (0.08% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 2.5% | |
| Employees | 89 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | construction >100% equity |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | reserve under noncurrent |  |
| 2012-03 | 3 | capital falling |  |
| 2012-06 | 1 |  | reserve under noncurrent, capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 2 | reserve under noncurrent | capital falling |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 1 |  | reserve under noncurrent |
| 2015-06 | 2 | charge-offs p90 |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 1 |  | charge-offs p90 |
| 2016-06 | 2 | uninsured deposits leaving |  |
| 2016-09 | 2 | capital falling | uninsured deposits leaving |
| 2016-12 | 0 |  | construction >100% equity, capital falling |
| 2017-03 | 2 | charge-offs p90, construction >100% equity |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 | reserve under noncurrent | charge-offs p90 |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | reserve under noncurrent |
| 2018-06 | 2 | charge-offs p90 |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 1 |  | charge-offs p90 |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 3 | capital falling, charge-offs p90 |  |
| 2020-03 | 2 |  | charge-offs p90 |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 | reserve under noncurrent | capital falling |
| 2020-12 | 1 |  | reserve under noncurrent |
| 2021-03 | 2 | capital falling |  |
| 2021-06 | 1 |  | capital falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | capital falling |  |
| 2022-03 | 1 |  | capital falling |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | deposits shrinking |  |
| 2023-06 | 1 |  | deposits shrinking |
| 2023-09 | 2 | capital falling |  |
| 2023-12 | 1 |  | capital falling |
| 2024-03 | 1 |  |  |
| 2024-06 | 2 | deposits shrinking |  |
| 2024-09 | 3 | assets shrinking |  |
| 2024-12 | 1 |  | deposits shrinking, assets shrinking |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-06-05 [NewFirst National Bank receives City of Victoria Beautification Award - crossroadstoday.com](https://news.google.com/rss/articles/CBMi7AFBVV95cUxQV29CcWRISi1pcERTbFhSVGVKSVNqeTlKSUxERkhUNUw1eHF0ajRob09oNHQwN3M5TGNyc25KSU5Qbkt4OFZNZngxRVpRMkpMa0hsejZTa1RIanpUMGMzZzE4a00wQXNRZGJiVTdmNDVhRnRoSGFwS25XTDhMVV9ZRkNycFJhZ1U5US1ndEUyaTZ6cXZfNHpLajFrNmZyM3RaZWRVR0thU0ZKZHlCZVZOY2N1RGFjd084WUhVaG9pOWV4R3RVTnRxUlE4OTNWRndVYnNOR2JNdk9LWlg4UjV5VVBpM3pjWFFnUEpLcA?oc=5) · crossroadstoday.com
- 2023-10-04 [First National Bank of Eagle Lake promotes Sedlock to president - Colorado County Citizen](https://news.google.com/rss/articles/CBMitAFBVV95cUxNN3pXQ1FleEtDSllWWjk5M1MyMXVia3BwSmRlbURoX2ZCT3ZEMjNNMGY2UnBHZ0VpZVNsQ3QtSUt3bEpQNDJvWEcxVkdxMVJ2RGJHdkJmZXRlOWhMd1J0RXFZd0dNcjNkWGVtQzJtSERkRjF0X2pKRHI1bXYtSFhpcWNpTDYyd0szaE5POGp2QXFPSjkyTXZBNi0ycnZTa3NqVkR2cHpSZ2E0bC1lRk1ORzJLdm8?oc=5) · Colorado County Citizen
- 2018-12-12 [Find your future in Fulshear - fbindependent](https://news.google.com/rss/articles/CBMid0FVX3lxTE80ODlOUjdKcUIwTEVjRWZ1TFd3cVd5ck96cjByUGtGVm5STjRWLTBzZXRkSjN1ZnFuLXhVSmJ4bUNwbkYyMFNnUzBhWlZYZmVveWMxaEVqVkdHbDFmSFRXMkJhVXRBLTdrdHhOV1FwU3FUbDh2d3VZ?oc=5) · fbindependent
- 2016-07-10 [Randal Lau Obituary - Victoria, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMifkFVX3lxTE1SUkVOYktRNjJBM09wRlRLd0F0WFRyMnBJUVBSWWhhS2pFLWRsNFVUQkdIakRtNUZRODBkXzJaNmRKMmJ3WnVCZl9CS2FkeTdvdU1QeGZpeXJVM3RkVzZpWDhubmRQRXNQZDRheFRzRVFzZGJXUmZWc21sTC1YUQ?oc=5) · Dignity Memorial
- 2012-04-08 [Austin Russell Davis - The Victoria Advocate](https://news.google.com/rss/articles/CBMibkFVX3lxTE45U014VU5wc25mS2x1NDNFYi1NOHJjVjRzMlYyZTdsZFpmS1lkWmZqN202dHhOdTJRWDljNGloM1lkTVRiVUtBbFVsNmozSzJJSWxkX09aaHZud1ZJMldEX0c5MlAyYV9GZWNjRjFR?oc=5) · The Victoria Advocate
- 2020-08-26 [fbindependent - fbindependent](https://news.google.com/rss/articles/CBMingFBVV95cUxOQzAzTXdYeUs5UDJkQjA4SU9iU2JaZTdnMUNTRk8tVDFlaC1fLVBYZ1lCeG1UVkMxLUthMzRFQ281SEo0QjI0VElxZExWcWdXbEwwRFlpSjJvcEtNN3FjX01PbXhGdC1NOTg2UzJsOUdPb3UwWU5sdmVZUVc2ellsNjVGY0xJRVVGMllJaS05c1VMOWUxZHJFNjBNc2lVZw?oc=5) · fbindependent
- 2018-03-21 [Stephen Van Dyke Obituary - Houston, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxQOXlFaV91SEkzNmtiWUJ5UGg5SGFUeHZCR1VSRTU5c21DVjlzVTQ1MDBkQmFXS0p6elBSS0pVNFFvTENWdWhhemUxSW1JTUgtbzJ3X0U3R3BxZHJCYUs2N2hUVTRFSWd0TktYbndBZjM2UDhZd3NuMUtqRVdBRUNVbHVzeG0?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3183 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/47.json (key "3183", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide