$29.6M
+6.9%y/y
Percentile by value47th percentileby value
FDIC
LNLSGRFB
The First Bank of Celeste
Celeste, TexasFDIC Cert #3133
STATEEstablished 19001 branch
Holding company: METROPLEX NORTH BANCSHARES INCRegulator: FDIC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $1.97M |
| Investor CRE | $1.94M |
| Multifamily | $386K |
| Construction | $4.41M |
| 1–4 family | $3.98M |
| C&I | $4.27M |
| Agriculture | $6.4M |
| Other | $6.21M |
Loan book
Reported balances and balance-sheet intensity.
$29.1M
+7.0%y/y
Percentile by value47th percentileby value
FDIC
LNLSNET+6.99%
+352.0%y/y
Percentile by value68th percentileby value
FDIC
LNLSNET38.1%
+2.2%y/y
Percentile by value17th percentileby value
FDIC
LNLSNET + DEP34.7%
+2.0%y/y
Percentile by value25th percentileby value
FDIC
LNLSNET + ASSET53.71%
+12.2%y/y
Percentile by value29th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
92%
+33.1%y/y
Percentile by value83rd percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC60%
+103.2%y/y
Percentile by value95th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC935points
−3.5%y/y
Peer standing98th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD6.67%
−19.2%y/y
Percentile by value62nd percentileby value
FDIC
LNRENROW + LNLSGR6.56%
−19.3%y/y
Percentile by value66th percentileby value
FDIC
LNRENROT + LNLSGR14.43%
−27.5%y/y
Percentile by value70th percentileby value
FDIC
LNCI + LNLSGR