Johnson City Bank: how it compares with its peers

Johnson City, TX · FDIC cert 16176 · Q2 2026 call report · 109 peers (TX banks with half to twice its assets)

Total assets
$147M
Loan growth (YoY)
+4.2%
Deposit growth (YoY)
+10.9%
Offices
1
Established
1944

Against 109 TX banks with half to twice its assets, Johnson City Bank's strongest measure in Q2 2026 is efficiency ratio (63.11% vs. a 64.45% peer median). Its weakest relative measure is return on assets (1.29% vs. 1.41%).

MeasureJohnson City BankPeer medianRank
Return on assets
Annualized net income over average assets.
1.29%1.41%Middle third
Ahead of 44% of peers
Net interest margin
Annualized net interest income over earning assets.
4.05%4.17%Middle third
Ahead of 46% of peers
Efficiency ratio
Noninterest expense per dollar of revenue. Lower is better.
63.11%64.45%Middle third
Ahead of 55% of peers
Assets per employee
Total assets over full-time-equivalent staff.
$6.1M$6.4MMiddle third
Ahead of 46% of peers
Loans to deposits
Net loans and leases over total deposits.
66.93%62.44%Context

What it means for lending operations

Its efficiency ratio of 63.11% is better than the 64.45% 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

Questions about Johnson City Bank

How big is Johnson City Bank?

Johnson City Bank, established in 1944, is headquartered in Johnson City, TX. It reported $147M in total assets in its Q2 2026 FDIC call report and operates 1 office.

What is Johnson City Bank's return on assets?

1.29% annualized in Q2 2026, against a 1.41% median for 109 TX banks with half to twice its assets, ahead of 44% of them.

What is Johnson City Bank's efficiency ratio?

63.11% in Q2 2026: it spent about 63 cents in noninterest expense for each dollar of revenue. The peer median is 64.45%, and lower is better.

Is Johnson City Bank growing its loans?

Net loans grew 4.2% over the year to Q2 2026, while deposits grew 10.9%.

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.

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