Texas Financial Bank: how it compares with its peers
Against 139 TX banks with half to twice its assets, Texas Financial Bank's strongest measure in Q2 2026 is net interest margin (4.85% vs. a 4.20% peer median). Its weakest relative measure is return on assets (0.33% vs. 1.46%).
| Measure | Texas Financial Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.33% | 1.46% | Bottom third Ahead of 4% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.85% | 4.20% | Top third Ahead of 83% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 78.18% | 61.24% | Bottom third Ahead of 13% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.9M | $6.7M | Bottom third Ahead of 11% of peers |
| Loans to deposits Net loans and leases over total deposits. | 65.69% | 67.37% | Context |
What it means for lending operations
Its efficiency ratio of 78.18% is above the 61.24% 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
- Bank of DeSoto, National Association De Soto, TX · $265M
- Anahuac National Bank Anahuac, TX · $266M
- Guadalupe Bank Kerrville, TX · $261M
- First Texas Bank Lampasas, TX · $260M
- Castroville State Bank Castroville, TX · $270M
- Farmers and Merchants Bank De Leon, TX · $270M
Questions about Texas Financial Bank
How big is Texas Financial Bank?
Texas Financial Bank, established in 1986, is headquartered in Eden, TX. It reported $265M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Texas Financial Bank's return on assets?
0.33% annualized in Q2 2026, against a 1.46% median for 139 TX banks with half to twice its assets, ahead of 4% of them.
What is Texas Financial Bank's efficiency ratio?
78.18% in Q2 2026: it spent about 78 cents in noninterest expense for each dollar of revenue. The peer median is 61.24%, and lower is better.
Is Texas Financial Bank growing its loans?
Net loans grew 70.3% over the year to Q2 2026, while deposits grew 45.8%.
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.