Robert Lee State Bank: how it compares with its peers
Against 33 TX banks with half to twice its assets, Robert Lee State Bank's strongest measure in Q2 2026 is net interest margin (3.75% vs. a 3.97% peer median). Its weakest relative measure is return on assets (0.30% vs. 0.90%).
| Measure | Robert Lee State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.30% | 0.90% | Bottom third Ahead of 21% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.75% | 3.97% | Bottom third Ahead of 33% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 90.75% | 75.32% | Bottom third Ahead of 27% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $3.9M | $4.8M | Bottom third Ahead of 24% of peers |
| Loans to deposits Net loans and leases over total deposits. | 38.88% | 45.52% | Context |
What it means for lending operations
Its efficiency ratio of 90.75% is above the 75.32% 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
- The Bank of San Jacinto County, Coldspring, Texas Coldspring, TX · $42M
- Avana Bank Abilene, TX · $40M
- Houston Bank & Trust Houston, TX · $39M
- The Donley County State Bank Clarendon, TX · $50M
- Lovelady State Bank Lovelady, TX · $53M
Questions about Robert Lee State Bank
How big is Robert Lee State Bank?
Robert Lee State Bank, established in 1936, is headquartered in Robert Lee, TX. It reported $43M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Robert Lee State Bank's return on assets?
0.30% annualized in Q2 2026, against a 0.90% median for 33 TX banks with half to twice its assets, ahead of 21% of them.
What is Robert Lee State Bank's efficiency ratio?
90.75% in Q2 2026: it spent about 91 cents in noninterest expense for each dollar of revenue. The peer median is 75.32%, and lower is better.
Is Robert Lee State Bank growing its loans?
Net loans shrank 4.8% over the year to Q2 2026, while deposits shrank 4.6%.
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.