First National Bank of Dublin: how it compares with its peers
Against 101 TX banks with half to twice its assets, First National Bank of Dublin's strongest measure in Q2 2026 is net interest margin (5.97% vs. a 4.06% peer median). Its weakest relative measure is assets per employee ($4.1M vs. $6.2M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.21% | 1.35% | Top third Ahead of 87% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.97% | 4.06% | Top third Ahead of 95% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 63.57% | 64.90% | Middle third Ahead of 57% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.1M | $6.2M | Bottom third Ahead of 7% of peers |
| Loans to deposits Net loans and leases over total deposits. | 81.08% | 60.28% | Context |
What it means for lending operations
Its efficiency ratio of 63.57% is better than the 64.90% 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
- The First National Bank of Aspermont Aspermont, TX · $134M
- POINTWEST BANK West, TX · $137M
- The Buckholts State Bank Buckholts, TX · $139M
- Texas National Bank Sweetwater, TX · $139M
- First State Bank of Brownsboro Brownsboro, TX · $140M
- Peoples State Bank Rocksprings, TX · $140M
Questions about First National Bank of Dublin
How big is First National Bank of Dublin?
First National Bank of Dublin, established in 1985, is headquartered in Dublin, TX. It reported $134M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is First National Bank of Dublin's return on assets?
2.21% annualized in Q2 2026, against a 1.35% median for 101 TX banks with half to twice its assets, ahead of 87% of them.
What is First National Bank of Dublin's efficiency ratio?
63.57% in Q2 2026: it spent about 64 cents in noninterest expense for each dollar of revenue. The peer median is 64.90%, and lower is better.
Is First National Bank of Dublin growing its loans?
Net loans grew 7.0% over the year to Q2 2026, while deposits grew 0.4%.
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.