Kress National Bank: how it compares with its peers
Against 51 TX banks with half to twice its assets, Kress National Bank's strongest measure in Q2 2026 is assets per employee ($10.6M vs. a $5.3M peer median). Its weakest relative measure is net interest margin (3.18% vs. 3.99%).
| Measure | Kress National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.30% | 1.01% | Middle third Ahead of 61% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.18% | 3.99% | Bottom third Ahead of 18% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 59.96% | 72.99% | Top third Ahead of 75% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.6M | $5.3M | Top third Ahead of 98% of peers |
| Loans to deposits Net loans and leases over total deposits. | 25.80% | 45.01% | Context |
What it means for lending operations
Its efficiency ratio of 59.96% is better than the 72.99% 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
- City National Bank Corsicana, TX · $62M
- Commerce Bank Texas Stockdale, TX · $61M
- First Federal Bank Littlefield, Texas Littlefield, TX · $68M
- First State Bank of San Diego San Diego, TX · $68M
- Producer Bank of Texas Powell, TX · $59M
- First State Bank Junction, TX · $58M
Questions about Kress National Bank
How big is Kress National Bank?
Kress National Bank, established in 1963, is headquartered in Kress, TX. It reported $64M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Kress National Bank's return on assets?
1.30% annualized in Q2 2026, against a 1.01% median for 51 TX banks with half to twice its assets, ahead of 61% of them.
What is Kress National Bank's efficiency ratio?
59.96% in Q2 2026: it spent about 60 cents in noninterest expense for each dollar of revenue. The peer median is 72.99%, and lower is better.
Is Kress National Bank growing its loans?
Net loans shrank 16.8% over the year to Q2 2026, while deposits grew 19.6%.
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.