NewFirst National Bank: how it compares with its peers
Against 109 TX banks with half to twice its assets, NewFirst National Bank's strongest measure in Q2 2026 is return on assets (3.27% vs. a 1.42% peer median). Its weakest relative measure is assets per employee ($10.5M vs. $8.2M).
| Measure | NewFirst National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 3.27% | 1.42% | Top third Ahead of 99% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.28% | 4.14% | Top third Ahead of 96% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 39.52% | 60.19% | Top third Ahead of 93% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.5M | $8.2M | Top third Ahead of 72% of peers |
| Loans to deposits Net loans and leases over total deposits. | 84.57% | 77.47% | Context |
What it means for lending operations
Its efficiency ratio of 39.52% is better than the 60.19% 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
- Texas Heritage National Bank Daingerfield, TX · $936M
- The First National Bank of Granbury Granbury, TX · $946M
- Western Bank Lubbock, TX · $947M
- Texas Bank Henderson, TX · $954M
- First National Bank and Trust Company of Weatherford Weatherford, TX · $968M
- Transpecos Banks, SSB Pecos, TX · $972M
Questions about NewFirst National Bank
How big is NewFirst National Bank?
NewFirst National Bank, established in 1902, is headquartered in El Campo, TX. It reported $935M in total assets in its Q2 2026 FDIC call report and operates 9 offices.
What is NewFirst National Bank's return on assets?
3.27% annualized in Q2 2026, against a 1.42% median for 109 TX banks with half to twice its assets, ahead of 99% of them.
What is NewFirst National Bank's efficiency ratio?
39.52% in Q2 2026: it spent about 40 cents in noninterest expense for each dollar of revenue. The peer median is 60.19%, and lower is better.
Is NewFirst National Bank growing its loans?
Net loans shrank 1.5% over the year to Q2 2026, while deposits grew 2.5%.
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.