First National Bank Texas: how it compares with its peers
Against 35 TX banks with half to twice its assets, First National Bank Texas's strongest measure in Q2 2026 is net interest margin (3.86% vs. a 3.87% peer median). Its weakest relative measure is assets per employee ($1.5M vs. $9.2M).
| Measure | First National Bank Texas | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.21% | 1.59% | Bottom third Ahead of 26% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.86% | 3.87% | Middle third Ahead of 49% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 84.51% | 57.37% | Bottom third Ahead of 9% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $1.5M | $9.2M | Bottom third Ahead of 0% of peers |
| Loans to deposits Net loans and leases over total deposits. | 55.14% | 75.01% | Context |
What it means for lending operations
Its efficiency ratio of 84.51% is above the 57.37% 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
- VeraBank, National Association Henderson, TX · $4.58B
- International Bank of Commerce Brownsville, TX · $4.56B
- Texas Exchange Bank Crowley, TX · $4.49B
- Texas Bank and Trust Company Longview, TX · $4.34B
- Inwood National Bank Dallas, TX · $4.26B
- Vantage Bank Texas San Antonio, TX · $5.14B
Questions about First National Bank Texas
How big is First National Bank Texas?
First National Bank Texas, established in 1901, is headquartered in Killeen, TX. It reported $4.64B in total assets in its Q2 2026 FDIC call report and operates 357 offices.
What is First National Bank Texas's return on assets?
1.21% annualized in Q2 2026, against a 1.59% median for 35 TX banks with half to twice its assets, ahead of 26% of them.
What is First National Bank Texas's efficiency ratio?
84.51% in Q2 2026: it spent about 85 cents in noninterest expense for each dollar of revenue. The peer median is 57.37%, and lower is better.
Is First National Bank Texas growing its loans?
Net loans grew 6.9% over the year to Q2 2026, while deposits grew 7.3%.
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.