The First National Bank of Bastrop: how it compares with its peers
Against 94 TX banks with half to twice its assets, The First National Bank of Bastrop's strongest measure in Q2 2026 is return on assets (1.46% vs. a 1.43% peer median). Its weakest relative measure is net interest margin (3.85% vs. 4.14%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.46% | 1.43% | Middle third Ahead of 52% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.85% | 4.14% | Middle third Ahead of 37% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 62.17% | 59.56% | Middle third Ahead of 44% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.5M | $8.2M | Middle third Ahead of 40% of peers |
| Loans to deposits Net loans and leases over total deposits. | 66.80% | 79.74% | Context |
What it means for lending operations
Its efficiency ratio of 62.17% is above the 59.56% 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
- Pointbank Pilot Point, TX · $1.16B
- Texas National Bank Mcallen, TX · $1.22B
- Citizens State Bank Somerville, TX · $1.22B
- Security State Bank Pearsall, TX · $1.14B
- T Bank, National Association Dallas, TX · $1.10B
Questions about The First National Bank of Bastrop
How big is The First National Bank of Bastrop?
The First National Bank of Bastrop, established in 1889, is headquartered in Bastrop, TX. It reported $1.18B in total assets in its Q2 2026 FDIC call report and operates 8 offices.
What is The First National Bank of Bastrop's return on assets?
1.46% annualized in Q2 2026, against a 1.43% median for 94 TX banks with half to twice its assets, ahead of 52% of them.
What is The First National Bank of Bastrop's efficiency ratio?
62.17% in Q2 2026: it spent about 62 cents in noninterest expense for each dollar of revenue. The peer median is 59.56%, and lower is better.
Is The First National Bank of Bastrop growing its loans?
Net loans grew 18.0% over the year to Q2 2026, while deposits grew 16.4%.
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.