Junction National Bank: how it compares with its peers
Against 84 TX banks with half to twice its assets, Junction National Bank's strongest measure in Q2 2026 is assets per employee ($8.5M vs. a $5.8M peer median). Its weakest relative measure is net interest margin (3.24% vs. 4.04%).
| Measure | Junction National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.60% | 1.26% | Top third Ahead of 71% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.24% | 4.04% | Bottom third Ahead of 19% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 54.17% | 66.63% | Top third Ahead of 83% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.5M | $5.8M | Top third Ahead of 88% of peers |
| Loans to deposits Net loans and leases over total deposits. | 24.95% | 55.73% | Context |
What it means for lending operations
Its efficiency ratio of 54.17% is better than the 66.63% 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
- The First National Bank of Trinity Trinity, TX · $93M
- Menard Bank Menard, TX · $91M
- First National Bank Rotan, TX · $96M
- Bandera Bank Bandera, TX · $89M
- Angelina Savings Bank, SSB Lufkin, TX · $87M
Questions about Junction National Bank
How big is Junction National Bank?
Junction National Bank, established in 1935, is headquartered in Junction, TX. It reported $93M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Junction National Bank's return on assets?
1.60% annualized in Q2 2026, against a 1.26% median for 84 TX banks with half to twice its assets, ahead of 71% of them.
What is Junction National Bank's efficiency ratio?
54.17% in Q2 2026: it spent about 54 cents in noninterest expense for each dollar of revenue. The peer median is 66.63%, and lower is better.
Is Junction National Bank growing its loans?
Net loans grew 0.1% over the year to Q2 2026, while deposits grew 2.8%.
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.