The Buckholts State Bank: how it compares with its peers
Against 103 TX banks with half to twice its assets, The Buckholts State Bank's strongest measure in Q2 2026 is efficiency ratio (36.11% vs. a 64.75% peer median). Its weakest relative measure is net interest margin (4.44% vs. 4.07%).
| Measure | The Buckholts State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.89% | 1.38% | Top third Ahead of 99% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.44% | 4.07% | Middle third Ahead of 65% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 36.11% | 64.75% | Top third Ahead of 100% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.3M | $6.4M | Top third Ahead of 87% of peers |
| Loans to deposits Net loans and leases over total deposits. | 75.37% | 61.85% | Context |
What it means for lending operations
Its efficiency ratio of 36.11% is better than the 64.75% 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
- Texas National Bank Sweetwater, TX · $139M
- First State Bank of Brownsboro Brownsboro, TX · $140M
- Peoples State Bank Rocksprings, TX · $140M
- POINTWEST BANK West, TX · $137M
- Spur Security Bank Spur, TX · $141M
- Marion State Bank Marion, TX · $142M
Questions about The Buckholts State Bank
How big is The Buckholts State Bank?
The Buckholts State Bank, established in 1907, is headquartered in Buckholts, TX. It reported $139M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is The Buckholts State Bank's return on assets?
2.89% annualized in Q2 2026, against a 1.38% median for 103 TX banks with half to twice its assets, ahead of 99% of them.
What is The Buckholts State Bank's efficiency ratio?
36.11% in Q2 2026: it spent about 36 cents in noninterest expense for each dollar of revenue. The peer median is 64.75%, and lower is better.
Is The Buckholts State Bank growing its loans?
Net loans grew 7.6% over the year to Q2 2026, while deposits grew 7.0%.
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.