Texas First Bank: how it compares with its peers
Against 59 TX banks with half to twice its assets, Texas First Bank's strongest measure in Q2 2026 is return on assets (1.68% vs. a 1.57% peer median). Its weakest relative measure is efficiency ratio (58.47% vs. 56.20%).
| Measure | Texas First Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.68% | 1.57% | Middle third Ahead of 64% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.95% | 3.90% | Middle third Ahead of 53% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 58.47% | 56.20% | Middle third Ahead of 41% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.6M | $8.6M | Middle third Ahead of 50% of peers |
| Loans to deposits Net loans and leases over total deposits. | 64.30% | 77.02% | Context |
What it means for lending operations
Its efficiency ratio of 58.47% is above the 56.20% 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
- First United Bank Dimmitt, TX · $2.41B
- Golden Bank, National Association Houston, TX · $2.28B
- Falcon International Bank Laredo, TX · $2.25B
- TexasBank Fort Worth, TX · $2.48B
- Texas Community Bank Laredo, TX · $2.20B
- Citizens National Bank of Texas Waxahachie, TX · $2.19B
Questions about Texas First Bank
How big is Texas First Bank?
Texas First Bank, established in 1982, is headquartered in Texas City, TX. It reported $2.35B in total assets in its Q2 2026 FDIC call report and operates 28 offices.
What is Texas First Bank's return on assets?
1.68% annualized in Q2 2026, against a 1.57% median for 59 TX banks with half to twice its assets, ahead of 64% of them.
What is Texas First Bank's efficiency ratio?
58.47% in Q2 2026: it spent about 58 cents in noninterest expense for each dollar of revenue. The peer median is 56.20%, and lower is better.
Is Texas First Bank growing its loans?
Net loans grew 6.3% over the year to Q2 2026, while deposits shrank 1.6%.
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.