First National Bank of Fort Stockton: how it compares with its peers
Against 114 TX banks with half to twice its assets, First National Bank of Fort Stockton's strongest measure in Q2 2026 is net interest margin (4.95% vs. a 4.14% peer median). Its weakest relative measure is efficiency ratio (77.71% vs. 64.03%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.05% | 1.41% | Bottom third Ahead of 25% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.95% | 4.14% | Top third Ahead of 83% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 77.71% | 64.03% | Bottom third Ahead of 17% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.1M | $6.4M | Middle third Ahead of 47% of peers |
| Loans to deposits Net loans and leases over total deposits. | 52.64% | 62.84% | Context |
What it means for lending operations
Its efficiency ratio of 77.71% is above the 64.03% 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
- Graham Savings and Loan, SSB Graham, TX · $155M
- Agility Bank, National Association Houston, TX · $152M
- The First National Bank of Tom Bean Tom Bean, TX · $156M
- First State Bank Shallowater, TX · $151M
- Carmine State Bank Carmine, TX · $149M
Questions about First National Bank of Fort Stockton
How big is First National Bank of Fort Stockton?
First National Bank of Fort Stockton, established in 1958, is headquartered in Fort Stockton, TX. It reported $153M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is First National Bank of Fort Stockton's return on assets?
1.05% annualized in Q2 2026, against a 1.41% median for 114 TX banks with half to twice its assets, ahead of 25% of them.
What is First National Bank of Fort Stockton's efficiency ratio?
77.71% in Q2 2026: it spent about 78 cents in noninterest expense for each dollar of revenue. The peer median is 64.03%, and lower is better.
Is First National Bank of Fort Stockton growing its loans?
Net loans shrank 6.2% over the year to Q2 2026, while deposits grew 2.6%.
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.