State National Bank: how it compares with its peers
Against 43 TX banks with half to twice its assets, State National Bank's strongest measure in Q2 2026 is assets per employee ($6.1M vs. a $4.9M peer median). Its weakest relative measure is efficiency ratio (87.67% vs. 73.08%).
| Measure | State National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.83% | 1.01% | Middle third Ahead of 40% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.38% | 3.99% | Middle third Ahead of 63% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 87.67% | 73.08% | Bottom third Ahead of 21% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.1M | $4.9M | Middle third Ahead of 65% of peers |
| Loans to deposits Net loans and leases over total deposits. | 90.29% | 43.68% | Context |
What it means for lending operations
Its efficiency ratio of 87.67% is above the 73.08% 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
- The First National Bank of Moody Moody, TX · $54M
- The Granger National Bank Granger, TX · $53M
- Amistad Bank Del Rio, TX · $57M
- The First National Bank in Cooper Cooper, TX · $57M
- Crowell State Bank Crowell, TX · $57M
- Lovelady State Bank Lovelady, TX · $53M
Questions about State National Bank
How big is State National Bank?
State National Bank, established in 1925, is headquartered in Groom, TX. It reported $55M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is State National Bank's return on assets?
0.83% annualized in Q2 2026, against a 1.01% median for 43 TX banks with half to twice its assets, ahead of 40% of them.
What is State National Bank's efficiency ratio?
87.67% in Q2 2026: it spent about 88 cents in noninterest expense for each dollar of revenue. The peer median is 73.08%, and lower is better.
Is State National Bank growing its loans?
Net loans shrank 2.9% over the year to Q2 2026, while deposits shrank 9.3%.
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.