The First National Bank of Ballinger: how it compares with its peers
Against 140 TX banks with half to twice its assets, The First National Bank of Ballinger's strongest measure in Q2 2026 is return on assets (1.54% vs. a 1.44% peer median). Its weakest relative measure is efficiency ratio (66.55% vs. 61.04%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.54% | 1.44% | Middle third Ahead of 58% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.29% | 4.20% | Middle third Ahead of 54% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 66.55% | 61.04% | Middle third Ahead of 34% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.6M | $6.7M | Middle third Ahead of 46% of peers |
| Loans to deposits Net loans and leases over total deposits. | 61.55% | 68.02% | Context |
What it means for lending operations
Its efficiency ratio of 66.55% is above the 61.04% 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
- Incommons Bank, N.A. Mexia, TX · $278M
- PrimeBank of Texas Austin, TX · $280M
- Citizens State Bank Miles, TX · $270M
- Farmers and Merchants Bank De Leon, TX · $270M
- Castroville State Bank Castroville, TX · $270M
- The Jacksboro National Bank Jacksboro, TX · $283M
Questions about The First National Bank of Ballinger
How big is The First National Bank of Ballinger?
The First National Bank of Ballinger, established in 1886, is headquartered in Ballinger, TX. It reported $275M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is The First National Bank of Ballinger's return on assets?
1.54% annualized in Q2 2026, against a 1.44% median for 140 TX banks with half to twice its assets, ahead of 58% of them.
What is The First National Bank of Ballinger's efficiency ratio?
66.55% in Q2 2026: it spent about 67 cents in noninterest expense for each dollar of revenue. The peer median is 61.04%, and lower is better.
Is The First National Bank of Ballinger growing its loans?
Net loans shrank 4.2% over the year to Q2 2026, while deposits grew 4.8%.
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.