Texas State Bank: how it compares with its peers
Against 141 TX banks with half to twice its assets, Texas State Bank's strongest measure in Q2 2026 is return on assets (2.54% vs. a 1.46% peer median). Its weakest relative measure is assets per employee ($6.0M vs. $7.3M).
| Measure | Texas State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.54% | 1.46% | Top third Ahead of 94% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.62% | 4.18% | Top third Ahead of 77% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 52.80% | 60.89% | Top third Ahead of 70% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.0M | $7.3M | Bottom third Ahead of 31% of peers |
| Loans to deposits Net loans and leases over total deposits. | 78.60% | 72.09% | Context |
What it means for lending operations
Its efficiency ratio of 52.80% is better than the 60.89% 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
- The Commercial National Bank of Brady Brady, TX · $425M
- The Lamesa National Bank Lamesa, TX · $427M
- First Lockhart Bank Lockhart, TX · $416M
- Texas Champion Bank Corpus Christi, TX · $437M
- Broadstreet Bank S S B Mineola, TX · $443M
- West Texas State Bank Snyder, TX · $444M
Questions about Texas State Bank
How big is Texas State Bank?
Texas State Bank, established in 1963, is headquartered in San Angelo, TX. It reported $426M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Texas State Bank's return on assets?
2.54% annualized in Q2 2026, against a 1.46% median for 141 TX banks with half to twice its assets, ahead of 94% of them.
What is Texas State Bank's efficiency ratio?
52.80% in Q2 2026: it spent about 53 cents in noninterest expense for each dollar of revenue. The peer median is 60.89%, and lower is better.
Is Texas State Bank growing its loans?
Net loans grew 9.8% over the year to Q2 2026, while deposits grew 4.9%.
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.