TellerScore

NewFirst National Bank (FDIC certificate #3183) is based in El Campo, Texas. Its Q2 2026 call report shows $934.9M in total assets and $810.9M in deposits and 9 offices.

NewFirst National Bank has a TellerScore of 84 out of 100 (strong) based on Q2 2026 data — higher than 86% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 53rd. Earnings contributes the most (100/100, 3.27%); funding & liquidity contributes the least (58/100, 85% loans-to-deposits, 31% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion75/100
Tier 1 leverage ratio: 12.47%
Loan quality93/100
Noncurrent loans ÷ total loans: 0.21%
Earnings100/100
Return on assets (annualized): 3.27%
Funding & liquidity58/100
Loans ÷ deposits and uninsured-deposit share: 84.6% · 31.0% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.26%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (82 → 84), mostly because the capital cushion component improved by 4 points.

TellerScore
768084Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202484
Q3 202484
Q4 202482
Q1 202582
Q2 202582
Q3 202584
Q4 202576
Q1 202680
Q2 202684
Tier 1 leverage ratio
5.00%8.77%12.55%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.83%
Q3 202412.55%
Q4 202411.87%
Q1 202512.08%
Q2 202512.09%
Q3 202512.27%
Q4 202512.06%
Q1 202612.32%
Q2 202612.47%
Noncurrent loans
0.15%0.57%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.15%
Q3 20240.31%
Q4 20240.27%
Q1 20250.35%
Q2 20250.33%
Q3 20250.18%
Q4 20251.00%
Q1 20260.70%
Q2 20260.21%
Return on assets
2.98%3.24%3.49%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20243.44%
Q3 20243.49%
Q4 20243.49%
Q1 20252.98%
Q2 20253.31%
Q3 20253.41%
Q4 20253.45%
Q1 20263.23%
Q2 20263.27%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202684$934.9M12.47%0.21%3.27%84.6%
Q1 202680$956.0M12.32%0.70%3.23%82.1%
Q4 202576$944.4M12.06%1.00%3.45%82.7%
Q3 202584$927.8M12.27%0.18%3.41%82.7%
Q2 202582$908.4M12.09%0.33%3.31%88.0%
Q1 202582$950.2M12.08%0.35%2.98%85.2%
Q4 202482$925.1M11.87%0.27%3.49%84.2%
Q3 202484$912.4M12.55%0.31%3.49%85.3%
Q2 202484$918.6M11.83%0.15%3.44%81.8%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.47%
70th
Total risk-based capital0.00%
24th
Problem loans0.21%
64th
Net charge-offs0.01%
49th
Return on assets3.27%
99th
Net interest margin5.28%
95th
Efficiency ratio39.5%
96th
Loans to deposits84.6%
39th
Uninsured deposits31.0%
25th
Loan-loss reserves1.38%
71st
Texas ratio1.3%
66th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Texas Heritage National BankBank Daingerfield, TX59 out of 100, Moderate$936.4M10.2%1.27%vs
The First National Bank of GranburyBank Granbury, TX78 out of 100, Strong$946.3M12.1%0.78%vs
Western BankBank Lubbock, TX71 out of 100, Strong$947.2M9.8%0.31%vs
Texas BankBank Henderson, TX70 out of 100, Strong$953.9M10.6%0.46%vs
First National Bank and Trust Company of WeatherfordBank Weatherford, TX42 out of 100, Below average$968.3M10.4%5.51%vs
Transpecos Banks, SSBBank Pecos, TX14 out of 100, Low$972.1M6.7%8.15%vs

Deposit insurance

Is my money safe at NewFirst National Bank?

Yes. NewFirst National Bank is an FDIC-insured institution (FDIC certificate #3183). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 31.0% of deposits ($251.3M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.47%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

9 locations

Branches

NewFirst National Bank lists 7 offices in 7 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, NewFirst National Bank reported 40 home-loan applications under HMDA (LEI 5493001CF53JP3UQ0024): 40 originated ($14,930,000 total), 0 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
NewFirst National Bank
Former names
The First National Bank of El Campo
Type
National bank
FDIC certificate #
3183
RSSD ID
938859
Primary regulator
OCC
Holding company
Newfirst Financial Group Inc
Established
January 1, 1902
Headquarters
200 E Jackson St, El Campo, TX 77437
Employees
89

Quick answers

NewFirst National Bank: common questions

Is NewFirst National Bank FDIC insured?

Yes. NewFirst National Bank is an FDIC-insured institution (FDIC certificate #3183). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is NewFirst National Bank's TellerScore?

84 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has NewFirst National Bank ever failed?

There is no failure record for FDIC certificate #3183 in the FDIC failed bank list.

How many branches does NewFirst National Bank have?

9 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near El Campo

InstitutionScoreAssetsCapitalProblem loansCompare
Matagorda County Credit UnionCredit union Bay City, TX94 out of 100, Very strong$36.2M17.4%0.31%vs
Baycel Federal Credit UnionCredit union Bay City, TX91 out of 100, Very strong$92.2M21.8%1.01%vs
Wharton County Teachers Credit UnionCredit union Wharton, TX90 out of 100, Very strong$7.4M28.4%0.18%vs
Lehrer Interests Credit UnionCredit union Garwood, TX86 out of 100, Very strong$2.3M21.4%0.00%vs
Texasgulf Federal Credit UnionCredit union Wharton, TX81 out of 100, Strong$220.5M14.3%0.61%vs
First Financial BankBank Abilene, TX76 out of 100, Strong$15.2B11.6%0.77%vs