Stockmens National Bank in Cotulla: how it compares with its peers
Against 94 TX banks with half to twice its assets, Stockmens National Bank in Cotulla's strongest measure in Q2 2026 is efficiency ratio (52.56% vs. a 64.60% peer median). Its weakest relative measure is net interest margin (3.49% vs. 4.04%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.70% | 1.35% | Top third Ahead of 72% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.49% | 4.04% | Bottom third Ahead of 24% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 52.56% | 64.60% | Top third Ahead of 83% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.8M | $6.1M | Top third Ahead of 74% of peers |
| Loans to deposits Net loans and leases over total deposits. | 22.25% | 59.95% | Context |
What it means for lending operations
Its efficiency ratio of 52.56% is better than the 64.60% 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
- Dalhart Federal Savings & Loan Association, SSB Dalhart, TX · $126M
- Commercial State Bank Palmer, TX · $127M
- Spectra Bank Fort Worth, TX · $127M
- The First State Bank Abernathy, TX · $121M
- Lone Oak Bank, National Association Eldorado, TX · $120M
- Henderson Federal Savings Bank Henderson, TX · $118M
Questions about Stockmens National Bank in Cotulla
How big is Stockmens National Bank in Cotulla?
Stockmens National Bank in Cotulla, established in 1904, is headquartered in Cotulla, TX. It reported $124M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Stockmens National Bank in Cotulla's return on assets?
1.70% annualized in Q2 2026, against a 1.35% median for 94 TX banks with half to twice its assets, ahead of 72% of them.
What is Stockmens National Bank in Cotulla's efficiency ratio?
52.56% in Q2 2026: it spent about 53 cents in noninterest expense for each dollar of revenue. The peer median is 64.60%, and lower is better.
Is Stockmens National Bank in Cotulla growing its loans?
Net loans shrank 16.3% over the year to Q2 2026, while deposits grew 13.4%.
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.