Arrowhead Bank: how it compares with its peers
Against 140 TX banks with half to twice its assets, Arrowhead Bank's strongest measure in Q2 2026 is net interest margin (4.75% vs. a 4.20% peer median). Its weakest relative measure is assets per employee ($5.1M vs. $6.7M).
| Measure | Arrowhead Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.82% | 1.44% | Top third Ahead of 73% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.75% | 4.20% | Top third Ahead of 81% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 52.83% | 61.41% | Top third Ahead of 72% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.1M | $6.7M | Bottom third Ahead of 14% of peers |
| Loans to deposits Net loans and leases over total deposits. | 66.57% | 68.28% | Context |
What it means for lending operations
Its efficiency ratio of 52.83% is better than the 61.41% 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
- Coleman County State Bank Coleman, TX · $295M
- Charter Bank Corpus Christi, TX · $292M
- One World Bank Dallas, TX · $290M
- Llano National Bank Llano, TX · $301M
- Freedom Bank Alamo, TX · $301M
- Interstate Bank Perryton, TX · $288M
Questions about Arrowhead Bank
How big is Arrowhead Bank?
Arrowhead Bank, established in 1923, is headquartered in Llano, TX. It reported $295M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Arrowhead Bank's return on assets?
1.82% annualized in Q2 2026, against a 1.44% median for 140 TX banks with half to twice its assets, ahead of 73% of them.
What is Arrowhead Bank's efficiency ratio?
52.83% in Q2 2026: it spent about 53 cents in noninterest expense for each dollar of revenue. The peer median is 61.41%, and lower is better.
Is Arrowhead Bank growing its loans?
Net loans shrank 2.7% over the year to Q2 2026, while deposits grew 1.9%.
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.