The First National Bank in Falfurrias: how it compares with its peers
Against 70 TX banks with half to twice its assets, The First National Bank in Falfurrias's strongest measure in Q2 2026 is return on assets (1.73% vs. a 1.20% peer median). Its weakest relative measure is assets per employee ($4.2M vs. $5.8M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.73% | 1.20% | Top third Ahead of 81% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.07% | 4.00% | Middle third Ahead of 56% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 57.67% | 67.75% | Top third Ahead of 76% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.2M | $5.8M | Bottom third Ahead of 14% of peers |
| Loans to deposits Net loans and leases over total deposits. | 29.70% | 52.36% | Context |
What it means for lending operations
Its efficiency ratio of 57.67% is better than the 67.75% 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
- Zavala County Bank Crystal City, TX · $79M
- The City National Bank of San Saba San Saba, TX · $80M
- Pavillion Bank Richardson, TX · $78M
- First National Bank of South Padre Island South Padre Island, TX · $78M
- Citizens State Bank Anton, TX · $81M
- Citizens National Bank of Crosbyton Crosbyton, TX · $78M
Questions about The First National Bank in Falfurrias
How big is The First National Bank in Falfurrias?
The First National Bank in Falfurrias, established in 1934, is headquartered in Falfurrias, TX. It reported $79M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is The First National Bank in Falfurrias's return on assets?
1.73% annualized in Q2 2026, against a 1.20% median for 70 TX banks with half to twice its assets, ahead of 81% of them.
What is The First National Bank in Falfurrias's efficiency ratio?
57.67% in Q2 2026: it spent about 58 cents in noninterest expense for each dollar of revenue. The peer median is 67.75%, and lower is better.
Is The First National Bank in Falfurrias growing its loans?
Net loans shrank 3.6% over the year to Q2 2026, while deposits grew 3.7%.
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.