Transact Bank, National Association: how it compares with its peers
Against 17 U.S. banks with half to twice its assets, Transact Bank, National Association's strongest measure in Q2 2026 is assets per employee ($925K vs. a $1.6M peer median). Its weakest relative measure is efficiency ratio (99.01% vs. 82.76%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.33% | 2.84% | Bottom third Ahead of 29% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.85% | 3.41% | Bottom third Ahead of 29% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 99.01% | 82.76% | Bottom third Ahead of 24% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $925K | $1.6M | Middle third Ahead of 40% of peers |
| Loans to deposits Net loans and leases over total deposits. | 43.92% | 0.00% | Context |
What it means for lending operations
Its efficiency ratio of 99.01% is above the 82.76% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- BMO Harris Central National Association Roselle, IL · $8M
- DSRM National Bank Albuquerque, NM · $4M
- The Equitable Savings and Loan Company Cadiz, OH · $9M
Questions about Transact Bank, National Association
How big is Transact Bank, National Association?
Transact Bank, National Association, established in 1905, is headquartered in Denver, CO. It reported $6M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Transact Bank, National Association's return on assets?
0.33% annualized in Q2 2026, against a 2.84% median for 17 U.S. banks with half to twice its assets, ahead of 29% of them.
What is Transact Bank, National Association's efficiency ratio?
99.01% in Q2 2026: it spent about 99 cents in noninterest expense for each dollar of revenue. The peer median is 82.76%, and lower is better.
Is Transact Bank, National Association growing its loans?
Net loans shrank 5.2% over the year to Q2 2026, while deposits grew 8.1%.
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 U.S. 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 Colorado bank ranked.