Texas National Bank of Jacksonville: how it compares with its peers
Against 115 TX banks with half to twice its assets, Texas National Bank of Jacksonville's strongest measure in Q2 2026 is net interest margin (4.16% vs. a 4.17% peer median). Its weakest relative measure is return on assets (-0.34% vs. 1.45%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -0.34% | 1.45% | Bottom third Ahead of 2% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.16% | 4.17% | Middle third Ahead of 50% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 90.24% | 59.93% | Bottom third Ahead of 4% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.7M | $8.1M | Middle third Ahead of 44% of peers |
| Loans to deposits Net loans and leases over total deposits. | 83.83% | 77.24% | Context |
What it means for lending operations
Its efficiency ratio of 90.24% is above the 59.93% 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
- Harmony Bank Dallas, TX · $855M
- First Liberty Bank Liberty, TX · $873M
- Bank of the West Grapevine, TX · $830M
- Plains State Bank Humble, TX · $828M
- Citizens 1st Bank Tyler, TX · $811M
- The First State Bank Louise, TX · $895M
Questions about Texas National Bank of Jacksonville
How big is Texas National Bank of Jacksonville?
Texas National Bank of Jacksonville, established in 1985, is headquartered in Jacksonville, TX. It reported $852M in total assets in its Q2 2026 FDIC call report and operates 9 offices.
What is Texas National Bank of Jacksonville's return on assets?
-0.34% annualized in Q2 2026, against a 1.45% median for 115 TX banks with half to twice its assets, ahead of 2% of them.
What is Texas National Bank of Jacksonville's efficiency ratio?
90.24% in Q2 2026: it spent about 90 cents in noninterest expense for each dollar of revenue. The peer median is 59.93%, and lower is better.
Is Texas National Bank of Jacksonville growing its loans?
Net loans shrank 5.4% over the year to Q2 2026, while deposits grew 1.8%.
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.