The First National Bank of Hughes Springs: how it compares with its peers
Against 137 TX banks with half to twice its assets, The First National Bank of Hughes Springs's strongest measure in Q2 2026 is net interest margin (6.48% vs. a 4.20% peer median). Its weakest relative measure is assets per employee ($2.9M vs. $7.0M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.18% | 1.45% | Top third Ahead of 82% of peers |
| Net interest margin Annualized net interest income over earning assets. | 6.48% | 4.20% | Top third Ahead of 98% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 63.98% | 61.18% | Middle third Ahead of 43% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $2.9M | $7.0M | Bottom third Ahead of 1% of peers |
| Loans to deposits Net loans and leases over total deposits. | 72.63% | 68.71% | Context |
What it means for lending operations
Its efficiency ratio of 63.98% is above the 61.18% 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
- Community Bank Longview, TX · $315M
- First State Bank of Burnet Burnet, TX · $326M
- Columbus State Bank Columbus, TX · $326M
- Citizens Bank Amarillo, TX · $310M
- The Pecos County State Bank Fort Stockton, TX · $309M
- Commercial National Bank of Texarkana Texarkana, TX · $330M
Questions about The First National Bank of Hughes Springs
How big is The First National Bank of Hughes Springs?
The First National Bank of Hughes Springs, established in 1903, is headquartered in Hughes Springs, TX. It reported $320M in total assets in its Q2 2026 FDIC call report and operates 16 offices.
What is The First National Bank of Hughes Springs's return on assets?
2.18% annualized in Q2 2026, against a 1.45% median for 137 TX banks with half to twice its assets, ahead of 82% of them.
What is The First National Bank of Hughes Springs's efficiency ratio?
63.98% in Q2 2026: it spent about 64 cents in noninterest expense for each dollar of revenue. The peer median is 61.18%, and lower is better.
Is The First National Bank of Hughes Springs growing its loans?
Net loans shrank 7.5% over the year to Q2 2026, while deposits shrank 0.5%.
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.