Greater State Bank: how it compares with its peers
Against 122 TX banks with half to twice its assets, Greater State Bank's strongest measure in Q2 2026 is net interest margin (6.08% vs. a 4.17% peer median). Its weakest relative measure is assets per employee ($3.5M vs. $6.5M).
| Measure | Greater State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.26% | 1.46% | Middle third Ahead of 37% of peers |
| Net interest margin Annualized net interest income over earning assets. | 6.08% | 4.17% | Top third Ahead of 96% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 73.38% | 63.34% | Bottom third Ahead of 19% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $3.5M | $6.5M | Bottom third Ahead of 3% of peers |
| Loans to deposits Net loans and leases over total deposits. | 88.85% | 65.37% | Context |
What it means for lending operations
Its efficiency ratio of 73.38% is above the 63.34% 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
- Peoples State Bank Shepherd, TX · $181M
- First National Bank of Bosque County Valley Mills, TX · $182M
- First Security State Bank Cranfills Gap, TX · $183M
- First State Bank Spearman, TX · $184M
- Security Bank of Texas Crawford, TX · $176M
- First State Bank of Ben Wheeler, Texas Ben Wheeler, TX · $185M
Questions about Greater State Bank
How big is Greater State Bank?
Greater State Bank, established in 1974, is headquartered in Mcallen, TX. It reported $180M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is Greater State Bank's return on assets?
1.26% annualized in Q2 2026, against a 1.46% median for 122 TX banks with half to twice its assets, ahead of 37% of them.
What is Greater State Bank's efficiency ratio?
73.38% in Q2 2026: it spent about 73 cents in noninterest expense for each dollar of revenue. The peer median is 63.34%, and lower is better.
Is Greater State Bank growing its loans?
Net loans grew 13.7% over the year to Q2 2026, while deposits grew 4.7%.
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.