The Donley County State Bank: how it compares with its peers
Against 40 TX banks with half to twice its assets, The Donley County State Bank's strongest measure in Q2 2026 is assets per employee ($5.5M vs. a $4.8M peer median). Its weakest relative measure is net interest margin (2.64% vs. 3.98%).
| Measure | The Donley County State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.87% | 0.91% | Middle third Ahead of 48% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.64% | 3.98% | Bottom third Ahead of 8% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 72.99% | 75.12% | Middle third Ahead of 60% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.5M | $4.8M | Middle third Ahead of 63% of peers |
| Loans to deposits Net loans and leases over total deposits. | 17.85% | 44.65% | Context |
What it means for lending operations
Its efficiency ratio of 72.99% is better than the 75.12% 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
- Lovelady State Bank Lovelady, TX · $53M
- The Granger National Bank Granger, TX · $53M
- The First National Bank of Moody Moody, TX · $54M
- State National Bank Groom, TX · $55M
- Robert Lee State Bank Robert Lee, TX · $43M
- Amistad Bank Del Rio, TX · $57M
Questions about The Donley County State Bank
How big is The Donley County State Bank?
The Donley County State Bank, established in 1906, is headquartered in Clarendon, TX. It reported $50M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is The Donley County State Bank's return on assets?
0.87% annualized in Q2 2026, against a 0.91% median for 40 TX banks with half to twice its assets, ahead of 48% of them.
What is The Donley County State Bank's efficiency ratio?
72.99% in Q2 2026: it spent about 73 cents in noninterest expense for each dollar of revenue. The peer median is 75.12%, and lower is better.
Is The Donley County State Bank growing its loans?
Net loans shrank 13.2% over the year to Q2 2026, while deposits grew 4.3%.
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.