First National Bank of Huntsville: how it compares with its peers
Against 135 TX banks with half to twice its assets, First National Bank of Huntsville's strongest measure in Q2 2026 is return on assets (1.74% vs. a 1.44% peer median). Its weakest relative measure is assets per employee ($5.8M vs. $7.7M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.74% | 1.44% | Top third Ahead of 67% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.33% | 4.18% | Middle third Ahead of 61% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 54.95% | 60.89% | Middle third Ahead of 66% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.8M | $7.7M | Bottom third Ahead of 27% of peers |
| Loans to deposits Net loans and leases over total deposits. | 69.66% | 76.47% | Context |
What it means for lending operations
Its efficiency ratio of 54.95% is better than the 60.89% 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
- The Bank and Trust, S.S.B. Del Rio, TX · $584M
- SouthTrust Bank, N.A. George West, TX · $579M
- The Karnes County National Bank of Karnes City Karnes City, TX · $577M
- The First National Bank of East Texas Gilmer, TX · $595M
- Gulf Capital Bank Houston, TX · $596M
- The Falls City National Bank Falls City, TX · $597M
Questions about First National Bank of Huntsville
How big is First National Bank of Huntsville?
First National Bank of Huntsville, established in 1890, is headquartered in Huntsville, TX. It reported $585M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is First National Bank of Huntsville's return on assets?
1.74% annualized in Q2 2026, against a 1.44% median for 135 TX banks with half to twice its assets, ahead of 67% of them.
What is First National Bank of Huntsville's efficiency ratio?
54.95% in Q2 2026: it spent about 55 cents in noninterest expense for each dollar of revenue. The peer median is 60.89%, and lower is better.
Is First National Bank of Huntsville growing its loans?
Net loans grew 2.7% over the year to Q2 2026, while deposits grew 5.7%.
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.