Bank of Texas: how it compares with its peers
Against 140 TX banks with half to twice its assets, Bank of Texas's strongest measure in Q2 2026 is assets per employee ($20.9M vs. a $7.4M peer median). Its weakest relative measure is net interest margin (3.62% vs. 4.21%).
| Measure | Bank of Texas | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.65% | 1.46% | Middle third Ahead of 63% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.62% | 4.21% | Bottom third Ahead of 23% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 40.79% | 60.64% | Top third Ahead of 90% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $20.9M | $7.4M | Top third Ahead of 99% of peers |
| Loans to deposits Net loans and leases over total deposits. | 85.43% | 75.04% | Context |
What it means for lending operations
Its efficiency ratio of 40.79% is better than the 60.64% 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
- Austin County State Bank Bellville, TX · $543M
- Herring Bank Amarillo, TX · $541M
- First State Bank and Trust Company Carthage, TX · $547M
- Fayette Savings Bank, SSB La Grange, TX · $552M
- Texas Traditions Bank Katy, TX · $556M
- First Commercial Bank, National Association Seguin, TX · $566M
Questions about Bank of Texas
How big is Bank of Texas?
Bank of Texas, established in 1962, is headquartered in Midland, TX. It reported $544M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Bank of Texas's return on assets?
1.65% annualized in Q2 2026, against a 1.46% median for 140 TX banks with half to twice its assets, ahead of 63% of them.
What is Bank of Texas's efficiency ratio?
40.79% in Q2 2026: it spent about 41 cents in noninterest expense for each dollar of revenue. The peer median is 60.64%, and lower is better.
Is Bank of Texas growing its loans?
Net loans shrank 2.2% over the year to Q2 2026, while deposits grew 9.6%.
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.