The First National Bank of East Texas: how it compares with its peers
Against 134 TX banks with half to twice its assets, The First National Bank of East Texas's strongest measure in Q2 2026 is net interest margin (4.32% vs. a 4.17% peer median). Its weakest relative measure is assets per employee ($4.4M vs. $7.7M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.45% | 1.44% | Middle third Ahead of 51% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.32% | 4.17% | Middle third Ahead of 61% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 63.64% | 60.98% | Middle third Ahead of 40% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.4M | $7.7M | Bottom third Ahead of 5% of peers |
| Loans to deposits Net loans and leases over total deposits. | 76.47% | 75.98% | Context |
What it means for lending operations
Its efficiency ratio of 63.64% is above the 60.98% 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
- Gulf Capital Bank Houston, TX · $596M
- The Falls City National Bank Falls City, TX · $597M
- First Federal Community Bank, SSB Paris, TX · $604M
- First National Bank of Huntsville Huntsville, TX · $585M
- The Bank and Trust, S.S.B. Del Rio, TX · $584M
- SouthTrust Bank, N.A. George West, TX · $579M
Questions about The First National Bank of East Texas
How big is The First National Bank of East Texas?
The First National Bank of East Texas, established in 1900, is headquartered in Gilmer, TX. It reported $595M in total assets in its Q2 2026 FDIC call report and operates 12 offices.
What is The First National Bank of East Texas's return on assets?
1.45% annualized in Q2 2026, against a 1.44% median for 134 TX banks with half to twice its assets, ahead of 51% of them.
What is The First National Bank of East Texas's efficiency ratio?
63.64% in Q2 2026: it spent about 64 cents in noninterest expense for each dollar of revenue. The peer median is 60.98%, and lower is better.
Is The First National Bank of East Texas growing its loans?
Net loans grew 2.4% over the year to Q2 2026, while deposits grew 0.7%.
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.