Producer Bank of Texas: how it compares with its peers
Against 44 TX banks with half to twice its assets, Producer Bank of Texas's strongest measure in Q2 2026 is net interest margin (4.19% vs. a 3.98% peer median). Its weakest relative measure is return on assets (-0.82% vs. 0.99%).
| Measure | Producer Bank of Texas | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -0.82% | 0.99% | Bottom third Ahead of 2% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.19% | 3.98% | Middle third Ahead of 61% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 116.85% | 73.03% | Bottom third Ahead of 2% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.2M | $5.2M | Bottom third Ahead of 25% of peers |
| Loans to deposits Net loans and leases over total deposits. | 58.35% | 43.58% | Context |
What it means for lending operations
Its efficiency ratio of 116.85% is above the 73.03% 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
- First State Bank Junction, TX · $58M
- Crowell State Bank Crowell, TX · $57M
- The First National Bank in Cooper Cooper, TX · $57M
- Amistad Bank Del Rio, TX · $57M
- Commerce Bank Texas Stockdale, TX · $61M
- City National Bank Corsicana, TX · $62M
Questions about Producer Bank of Texas
How big is Producer Bank of Texas?
Producer Bank of Texas, established in 1910, is headquartered in Powell, TX. It reported $59M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Producer Bank of Texas's return on assets?
-0.82% annualized in Q2 2026, against a 0.99% median for 44 TX banks with half to twice its assets, ahead of 2% of them.
What is Producer Bank of Texas's efficiency ratio?
116.85% in Q2 2026: it spent about 117 cents in noninterest expense for each dollar of revenue. The peer median is 73.03%, and lower is better.
Is Producer Bank of Texas growing its loans?
Net loans grew 62.2% over the year to Q2 2026, while deposits grew 35.2%.
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.