Texas Bank and Trust Company: how it compares with its peers
Against 38 TX banks with half to twice its assets, Texas Bank and Trust Company's strongest measure in Q2 2026 is efficiency ratio (54.69% vs. a 55.49% peer median). Its weakest relative measure is net interest margin (3.75% vs. 3.95%).
| Measure | Texas Bank and Trust Company | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.54% | 1.60% | Middle third Ahead of 42% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.75% | 3.95% | Middle third Ahead of 37% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 54.69% | 55.49% | Middle third Ahead of 55% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.5M | $9.2M | Middle third Ahead of 41% of peers |
| Loans to deposits Net loans and leases over total deposits. | 90.41% | 74.67% | Context |
What it means for lending operations
Its efficiency ratio of 54.69% is better than the 55.49% 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
- Inwood National Bank Dallas, TX · $4.26B
- Texas Exchange Bank Crowley, TX · $4.49B
- International Bank of Commerce Brownsville, TX · $4.56B
- VeraBank, National Association Henderson, TX · $4.58B
- First National Bank Texas Killeen, TX · $4.64B
- Cornerstone Capital Bank, SSB Houston, TX · $3.67B
Questions about Texas Bank and Trust Company
How big is Texas Bank and Trust Company?
Texas Bank and Trust Company, established in 1958, is headquartered in Longview, TX. It reported $4.34B in total assets in its Q2 2026 FDIC call report and operates 22 offices.
What is Texas Bank and Trust Company's return on assets?
1.54% annualized in Q2 2026, against a 1.60% median for 38 TX banks with half to twice its assets, ahead of 42% of them.
What is Texas Bank and Trust Company's efficiency ratio?
54.69% in Q2 2026: it spent about 55 cents in noninterest expense for each dollar of revenue. The peer median is 55.49%, and lower is better.
Is Texas Bank and Trust Company growing its loans?
Net loans shrank 1.7% over the year to Q2 2026, while deposits shrank 1.2%.
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.