Texas Bank: how it compares with its peers
Against 110 TX banks with half to twice its assets, Texas Bank's strongest measure in Q2 2026 is net interest margin (4.40% vs. a 4.13% peer median). Its weakest relative measure is assets per employee ($4.9M vs. $8.2M).
| Measure | Texas Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.20% | 1.42% | Middle third Ahead of 36% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.40% | 4.13% | Middle third Ahead of 63% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 64.93% | 60.06% | Middle third Ahead of 35% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.9M | $8.2M | Bottom third Ahead of 5% of peers |
| Loans to deposits Net loans and leases over total deposits. | 83.93% | 77.64% | Context |
What it means for lending operations
Its efficiency ratio of 64.93% is above the 60.06% 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
- Western Bank Lubbock, TX · $947M
- The First National Bank of Granbury Granbury, TX · $946M
- First National Bank and Trust Company of Weatherford Weatherford, TX · $968M
- Texas Heritage National Bank Daingerfield, TX · $936M
- Transpecos Banks, SSB Pecos, TX · $972M
- NewFirst National Bank El Campo, TX · $935M
Questions about Texas Bank
How big is Texas Bank?
Texas Bank, established in 1973, is headquartered in Henderson, TX. It reported $954M in total assets in its Q2 2026 FDIC call report and operates 13 offices.
What is Texas Bank's return on assets?
1.20% annualized in Q2 2026, against a 1.42% median for 110 TX banks with half to twice its assets, ahead of 36% of them.
What is Texas Bank's efficiency ratio?
64.93% in Q2 2026: it spent about 65 cents in noninterest expense for each dollar of revenue. The peer median is 60.06%, and lower is better.
Is Texas Bank growing its loans?
Net loans grew 5.0% over the year to Q2 2026, while deposits grew 5.0%.
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.