The State National Bank of Big Spring: how it compares with its peers
Against 128 TX banks with half to twice its assets, The State National Bank of Big Spring's strongest measure in Q2 2026 is assets per employee ($18.8M vs. a $7.8M peer median). Its weakest relative measure is net interest margin (2.90% vs. 4.20%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.79% | 1.42% | Top third Ahead of 72% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.90% | 4.20% | Bottom third Ahead of 7% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 34.96% | 60.98% | Top third Ahead of 95% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $18.8M | $7.8M | Top third Ahead of 98% of peers |
| Loans to deposits Net loans and leases over total deposits. | 16.47% | 77.35% | Context |
What it means for lending operations
Its efficiency ratio of 34.96% is better than the 60.98% 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
- American State Bank Arp, TX · $638M
- Dominion Bank Dallas, TX · $647M
- Community Bank & Trust, Waco, Texas Waco, TX · $649M
- American Bank, National Association Waco, TX · $625M
- Worthington Bank Arlington, TX · $655M
- Classic Bank, National Association Cameron, TX · $657M
Questions about The State National Bank of Big Spring
How big is The State National Bank of Big Spring?
The State National Bank of Big Spring, established in 1909, is headquartered in Big Spring, TX. It reported $640M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is The State National Bank of Big Spring's return on assets?
1.79% annualized in Q2 2026, against a 1.42% median for 128 TX banks with half to twice its assets, ahead of 72% of them.
What is The State National Bank of Big Spring's efficiency ratio?
34.96% in Q2 2026: it spent about 35 cents in noninterest expense for each dollar of revenue. The peer median is 60.98%, and lower is better.
Is The State National Bank of Big Spring growing its loans?
Net loans shrank 3.7% over the year to Q2 2026, while deposits grew 10.4%.
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.