ValueBank Texas: how it compares with its peers
Against 140 TX banks with half to twice its assets, ValueBank Texas's strongest measure in Q2 2026 is net interest margin (4.72% vs. a 4.20% peer median). Its weakest relative measure is assets per employee ($3.5M vs. $6.7M).
| Measure | ValueBank Texas | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.29% | 1.45% | Middle third Ahead of 39% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.72% | 4.20% | Top third Ahead of 79% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 69.27% | 61.41% | Bottom third Ahead of 28% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $3.5M | $6.7M | Bottom third Ahead of 4% of peers |
| Loans to deposits Net loans and leases over total deposits. | 62.59% | 68.62% | Context |
What it means for lending operations
Its efficiency ratio of 69.27% is above the 61.41% 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
- Citizens National Bank at Brownwood Brownwood, TX · $303M
- Freedom Bank Alamo, TX · $301M
- Llano National Bank Llano, TX · $301M
- Sundown State Bank Sundown, TX · $308M
- First State Bank Graham, TX · $309M
- The Pecos County State Bank Fort Stockton, TX · $309M
Questions about ValueBank Texas
How big is ValueBank Texas?
ValueBank Texas, established in 1967, is headquartered in Corpus Christi, TX. It reported $304M in total assets in its Q2 2026 FDIC call report and operates 9 offices.
What is ValueBank Texas's return on assets?
1.29% annualized in Q2 2026, against a 1.45% median for 140 TX banks with half to twice its assets, ahead of 39% of them.
What is ValueBank Texas's efficiency ratio?
69.27% in Q2 2026: it spent about 69 cents in noninterest expense for each dollar of revenue. The peer median is 61.41%, and lower is better.
Is ValueBank Texas growing its loans?
Net loans grew 8.3% over the year to Q2 2026, while deposits grew 0.7%.
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.