Fayette Savings Bank, SSB: how it compares with its peers
Against 140 TX banks with half to twice its assets, Fayette Savings Bank, SSB's strongest measure in Q2 2026 is assets per employee ($12.3M vs. a $7.4M peer median). Its weakest relative measure is net interest margin (3.63% vs. 4.21%).
| Measure | Fayette Savings Bank, SSB | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.88% | 1.45% | Top third Ahead of 75% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.63% | 4.21% | Bottom third Ahead of 24% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 49.56% | 60.64% | Top third Ahead of 79% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $12.3M | $7.4M | Top third Ahead of 85% of peers |
| Loans to deposits Net loans and leases over total deposits. | 85.26% | 75.32% | Context |
What it means for lending operations
Its efficiency ratio of 49.56% is better than the 60.64% 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 Traditions Bank Katy, TX · $556M
- First State Bank and Trust Company Carthage, TX · $547M
- Bank of Texas Midland, TX · $544M
- Austin County State Bank Bellville, TX · $543M
- Herring Bank Amarillo, TX · $541M
- First Commercial Bank, National Association Seguin, TX · $566M
Questions about Fayette Savings Bank, SSB
How big is Fayette Savings Bank, SSB?
Fayette Savings Bank, SSB, established in 1976, is headquartered in La Grange, TX. It reported $552M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Fayette Savings Bank, SSB's return on assets?
1.88% annualized in Q2 2026, against a 1.45% median for 140 TX banks with half to twice its assets, ahead of 75% of them.
What is Fayette Savings Bank, SSB's efficiency ratio?
49.56% in Q2 2026: it spent about 50 cents in noninterest expense for each dollar of revenue. The peer median is 60.64%, and lower is better.
Is Fayette Savings Bank, SSB growing its loans?
Net loans grew 12.6% over the year to Q2 2026, while deposits grew 17.3%.
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.