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The First Bank of Celeste

Celeste, TexasFDIC Cert #3133

STATEEstablished 19001 branch

Holding company: METROPLEX NORTH BANCSHARES INCRegulator: FDIC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
0.10%
−57.6%y/y
Peer standing72nd percentile
Peer standing in asset:lt_100m
FDICP3ASSET + LNLSGR
90+ %
0.00%
Peer standing100th percentile
Peer standing in asset:lt_100m
FDICP9ASSET + LNLSGR
Nonaccrual %
0.00%
Peer standing100th percentile
Peer standing in asset:lt_100m
FDICNAASSET + LNLSGR
Noncurrent %
0.00%
Peer standing100th percentile
Peer standing in asset:lt_100m
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
0.00%
Peer standing100th percentile
Peer standing in asset:lt_100m
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$0
Peer standing100th percentile
Peer standing in asset:lt_100m
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
0.13%
+143.5%y/y
Peer standing14th percentile
Peer standing in asset:lt_100m
FDICNTLNLS + LNLSGR
NCO
$9K
+142.9%y/y
Peer standing14th percentile
Peer standing in asset:lt_100m
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
1.66%
−6.6%y/y
Percentile by value75th percentileby value
Peer standing in asset:lt_100m
FDICLNATRES + LNLSGR
30–89
$29K
−54.7%y/y
Peer standing64th percentile
Peer standing in asset:lt_100m
FDICP3ASSET
90+
$0
Peer standing100th percentile
Peer standing in asset:lt_100m
FDICP9ASSET
Nonaccrual
$0
Peer standing100th percentile
Peer standing in asset:lt_100m
FDICNAASSET