Atascosa Bank: how it compares with its peers
Against 71 TX banks with half to twice its assets, Atascosa Bank's strongest measure in Q2 2026 is assets per employee ($8.2M vs. a $5.7M peer median). Its weakest relative measure is net interest margin (2.92% vs. 4.00%).
| Measure | Atascosa Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.60% | 1.21% | Bottom third Ahead of 21% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.92% | 4.00% | Bottom third Ahead of 8% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 76.51% | 67.74% | Bottom third Ahead of 30% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.2M | $5.7M | Top third Ahead of 85% of peers |
| Loans to deposits Net loans and leases over total deposits. | 28.59% | 52.64% | Context |
What it means for lending operations
Its efficiency ratio of 76.51% is above the 67.74% 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 State Bank Anton, TX · $81M
- The City National Bank of San Saba San Saba, TX · $80M
- The First Bank of Celeste Celeste, TX · $84M
- The First National Bank in Falfurrias Falfurrias, TX · $79M
- Zavala County Bank Crystal City, TX · $79M
- Pavillion Bank Richardson, TX · $78M
Questions about Atascosa Bank
How big is Atascosa Bank?
Atascosa Bank, established in 1982, is headquartered in Pleasanton, TX. It reported $82M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Atascosa Bank's return on assets?
0.60% annualized in Q2 2026, against a 1.21% median for 71 TX banks with half to twice its assets, ahead of 21% of them.
What is Atascosa Bank's efficiency ratio?
76.51% in Q2 2026: it spent about 77 cents in noninterest expense for each dollar of revenue. The peer median is 67.74%, and lower is better.
Is Atascosa Bank growing its loans?
Net loans shrank 11.0% over the year to Q2 2026, while deposits shrank 9.0%.
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.