Austin Bank, Texas National Association: how it compares with its peers
Against 44 TX banks with half to twice its assets, Austin Bank, Texas National Association's strongest measure in Q2 2026 is net interest margin (5.25% vs. a 3.89% peer median). Its weakest relative measure is assets per employee ($6.3M vs. $9.2M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.08% | 1.59% | Top third Ahead of 82% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.25% | 3.89% | Top third Ahead of 95% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 51.33% | 55.52% | Middle third Ahead of 64% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.3M | $9.2M | Bottom third Ahead of 16% of peers |
| Loans to deposits Net loans and leases over total deposits. | 88.01% | 76.02% | Context |
What it means for lending operations
Its efficiency ratio of 51.33% is better than the 55.52% 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
- Lone Star National Bank Pharr, TX · $3.28B
- WestStar Bank El Paso, TX · $3.28B
- Monet Bank Plano, TX · $3.16B
- Cornerstone Capital Bank, SSB Houston, TX · $3.67B
- Susser Bank Dallas, TX · $2.99B
- TIB National Association Farmers Branch, TX · $2.96B
Questions about Austin Bank, Texas National Association
How big is Austin Bank, Texas National Association?
Austin Bank, Texas National Association, established in 1900, is headquartered in Jacksonville, TX. It reported $3.33B in total assets in its Q2 2026 FDIC call report and operates 39 offices.
What is Austin Bank, Texas National Association's return on assets?
2.08% annualized in Q2 2026, against a 1.59% median for 44 TX banks with half to twice its assets, ahead of 82% of them.
What is Austin Bank, Texas National Association's efficiency ratio?
51.33% in Q2 2026: it spent about 51 cents in noninterest expense for each dollar of revenue. The peer median is 55.52%, and lower is better.
Is Austin Bank, Texas National Association growing its loans?
Net loans grew 0.6% over the year to Q2 2026, while deposits grew 5.4%.
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.