First State Bank of Ben Wheeler, Texas: how it compares with its peers
Against 122 TX banks with half to twice its assets, First State Bank of Ben Wheeler, Texas's strongest measure in Q2 2026 is efficiency ratio (58.77% vs. a 63.90% peer median). Its weakest relative measure is net interest margin (3.28% vs. 4.18%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.51% | 1.43% | Middle third Ahead of 54% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.28% | 4.18% | Bottom third Ahead of 15% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 58.77% | 63.90% | Middle third Ahead of 64% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.2M | $6.5M | Middle third Ahead of 48% of peers |
| Loans to deposits Net loans and leases over total deposits. | 42.30% | 65.78% | Context |
What it means for lending operations
Its efficiency ratio of 58.77% is better than the 63.90% 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
- Peoples Bank Paris, TX · $185M
- First State Bank Spearman, TX · $184M
- First Security State Bank Cranfills Gap, TX · $183M
- First National Bank of Bosque County Valley Mills, TX · $182M
- Peoples State Bank Shepherd, TX · $181M
- Greater State Bank Mcallen, TX · $180M
Questions about First State Bank of Ben Wheeler, Texas
How big is First State Bank of Ben Wheeler, Texas?
First State Bank of Ben Wheeler, Texas, established in 1911, is headquartered in Ben Wheeler, TX. It reported $185M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is First State Bank of Ben Wheeler, Texas's return on assets?
1.51% annualized in Q2 2026, against a 1.43% median for 122 TX banks with half to twice its assets, ahead of 54% of them.
What is First State Bank of Ben Wheeler, Texas's efficiency ratio?
58.77% in Q2 2026: it spent about 59 cents in noninterest expense for each dollar of revenue. The peer median is 63.90%, and lower is better.
Is First State Bank of Ben Wheeler, Texas growing its loans?
Net loans shrank 2.5% 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.