BOC Bank: how it compares with its peers
Against 131 TX banks with half to twice its assets, BOC Bank's strongest measure in Q2 2026 is return on assets (1.99% vs. a 1.44% peer median). Its weakest relative measure is net interest margin (4.35% vs. 4.18%).
| Measure | BOC Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.99% | 1.44% | Top third Ahead of 78% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.35% | 4.18% | Middle third Ahead of 60% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 56.08% | 63.11% | Top third Ahead of 68% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.5M | $6.6M | Middle third Ahead of 66% of peers |
| Loans to deposits Net loans and leases over total deposits. | 84.60% | 66.02% | Context |
What it means for lending operations
Its efficiency ratio of 56.08% is better than the 63.11% 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
- Lone Star Bank Houston, TX · $202M
- The First National Bank of Evant Evant, TX · $199M
- Farmers State Bank Groesbeck, TX · $196M
- The Community Bank Bridgeport, TX · $212M
- First State Bank of Odem Odem, TX · $213M
- The Perryton National Bank Perryton, TX · $213M
Questions about BOC Bank
How big is BOC Bank?
BOC Bank, established in 1984, is headquartered in Mclean, TX. It reported $203M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is BOC Bank's return on assets?
1.99% annualized in Q2 2026, against a 1.44% median for 131 TX banks with half to twice its assets, ahead of 78% of them.
What is BOC Bank's efficiency ratio?
56.08% in Q2 2026: it spent about 56 cents in noninterest expense for each dollar of revenue. The peer median is 63.11%, and lower is better.
Is BOC Bank growing its loans?
Net loans grew 2.9% over the year to Q2 2026, while deposits grew 3.6%.
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.