First State Bank of Burnet: how it compares with its peers
Against 139 TX banks with half to twice its assets, First State Bank of Burnet's strongest measure in Q2 2026 is efficiency ratio (56.38% vs. a 61.24% peer median). Its weakest relative measure is net interest margin (3.89% vs. 4.18%).
| Measure | First State Bank of Burnet | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.61% | 1.45% | Middle third Ahead of 60% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.89% | 4.18% | Middle third Ahead of 35% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 56.38% | 61.24% | Middle third Ahead of 63% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.4M | $7.0M | Middle third Ahead of 58% of peers |
| Loans to deposits Net loans and leases over total deposits. | 61.66% | 68.71% | Context |
What it means for lending operations
Its efficiency ratio of 56.38% is better than the 61.24% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Columbus State Bank Columbus, TX · $326M
- Commercial National Bank of Texarkana Texarkana, TX · $330M
- Texana Bank, National Association Linden, TX · $331M
- The First National Bank of Hughes Springs Hughes Springs, TX · $320M
- Global One Bank Houston, TX · $333M
- Community Bank Longview, TX · $315M
Questions about First State Bank of Burnet
How big is First State Bank of Burnet?
First State Bank of Burnet, established in 1908, is headquartered in Burnet, TX. It reported $326M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is First State Bank of Burnet's return on assets?
1.61% annualized in Q2 2026, against a 1.45% median for 139 TX banks with half to twice its assets, ahead of 60% of them.
What is First State Bank of Burnet's efficiency ratio?
56.38% in Q2 2026: it spent about 56 cents in noninterest expense for each dollar of revenue. The peer median is 61.24%, and lower is better.
Is First State Bank of Burnet growing its loans?
Net loans grew 20.0% over the year to Q2 2026, while deposits grew 1.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.