The First Bank of Celeste: how it compares with its peers
Against 76 TX banks with half to twice its assets, The First Bank of Celeste's strongest measure in Q2 2026 is assets per employee ($6.5M vs. a $5.7M peer median). Its weakest relative measure is net interest margin (3.81% vs. 4.00%).
| Measure | The First Bank of Celeste | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.35% | 1.22% | Middle third Ahead of 58% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.81% | 4.00% | Middle third Ahead of 37% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 67.74% | 67.36% | Middle third Ahead of 49% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.5M | $5.7M | Middle third Ahead of 63% of peers |
| Loans to deposits Net loans and leases over total deposits. | 39.87% | 52.50% | Context |
What it means for lending operations
Its efficiency ratio of 67.74% is above the 67.36% 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
- Atascosa Bank Pleasanton, TX · $82M
- Angelina Savings Bank, SSB Lufkin, TX · $87M
- Citizens State Bank Anton, TX · $81M
- The City National Bank of San Saba San Saba, TX · $80M
- The First National Bank in Falfurrias Falfurrias, TX · $79M
- Zavala County Bank Crystal City, TX · $79M
Questions about The First Bank of Celeste
How big is The First Bank of Celeste?
The First Bank of Celeste, established in 1900, is headquartered in Celeste, TX. It reported $84M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is The First Bank of Celeste's return on assets?
1.35% annualized in Q2 2026, against a 1.22% median for 76 TX banks with half to twice its assets, ahead of 58% of them.
What is The First Bank of Celeste's efficiency ratio?
67.74% in Q2 2026: it spent about 68 cents in noninterest expense for each dollar of revenue. The peer median is 67.36%, and lower is better.
Is The First Bank of Celeste growing its loans?
Net loans grew 13.9% over the year to Q2 2026, while deposits shrank 0.5%.
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.