Johnson City Bank: how it compares with its peers
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%).
| Measure | Johnson City Bank | Peer median | Rank |
|---|---|---|---|
| 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 | $6.4M | Middle 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
- Mason Bank Mason, TX · $147M
- Bank19 Memphis, TX · $148M
- Carmine State Bank Carmine, TX · $149M
- The American National Bank of Mount Pleasant Mount Pleasant, TX · $145M
- First State Bank Shallowater, TX · $151M
- Marion State Bank Marion, TX · $142M
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.