First Texas National Bank: how it compares with its peers
Against 132 TX banks with half to twice its assets, First Texas National Bank's strongest measure in Q2 2026 is return on assets (2.89% vs. a 1.45% peer median). Its weakest relative measure is assets per employee ($7.5M vs. $6.6M).
| Measure | First Texas National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.89% | 1.45% | Top third Ahead of 96% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.14% | 4.19% | Top third Ahead of 88% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 46.29% | 63.00% | Top third Ahead of 87% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.5M | $6.6M | Middle third Ahead of 64% of peers |
| Loans to deposits Net loans and leases over total deposits. | 96.34% | 66.57% | Context |
What it means for lending operations
Its efficiency ratio of 46.29% is better than the 63.00% 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
- First National Bank of Lake Jackson Lake Jackson, TX · $218M
- The Perryton National Bank Perryton, TX · $213M
- First State Bank of Odem Odem, TX · $213M
- The Community Bank Bridgeport, TX · $212M
- The Citizens National Bank of Hillsboro Hillsboro, TX · $224M
- Sanger Bank Sanger, TX · $224M
Questions about First Texas National Bank
How big is First Texas National Bank?
First Texas National Bank, established in 1890, is headquartered in Floydada, TX. It reported $217M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is First Texas National Bank's return on assets?
2.89% annualized in Q2 2026, against a 1.45% median for 132 TX banks with half to twice its assets, ahead of 96% of them.
What is First Texas National Bank's efficiency ratio?
46.29% in Q2 2026: it spent about 46 cents in noninterest expense for each dollar of revenue. The peer median is 63.00%, and lower is better.
Is First Texas National Bank growing its loans?
Net loans grew 33.9% over the year to Q2 2026, while deposits grew 33.9%.
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.