The First National Bank of Aspermont: how it compares with its peers
Against 101 TX banks with half to twice its assets, The First National Bank of Aspermont's strongest measure in Q2 2026 is assets per employee ($8.4M vs. a $6.2M peer median). Its weakest relative measure is net interest margin (2.91% vs. 4.07%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.09% | 1.35% | Middle third Ahead of 34% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.91% | 4.07% | Bottom third Ahead of 8% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 64.02% | 64.90% | Middle third Ahead of 54% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.4M | $6.2M | Top third Ahead of 85% of peers |
| Loans to deposits Net loans and leases over total deposits. | 38.47% | 61.85% | Context |
What it means for lending operations
Its efficiency ratio of 64.02% 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
- First National Bank of Dublin Dublin, 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 The First National Bank of Aspermont
How big is The First National Bank of Aspermont?
The First National Bank of Aspermont, established in 1901, is headquartered in Aspermont, TX. It reported $134M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is The First National Bank of Aspermont's return on assets?
1.09% annualized in Q2 2026, against a 1.35% median for 101 TX banks with half to twice its assets, ahead of 34% of them.
What is The First National Bank of Aspermont's efficiency ratio?
64.02% 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 The First National Bank of Aspermont growing its loans?
Net loans grew 16.8% over the year to Q2 2026, while deposits grew 4.5%.
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.