National Bank & Trust: how it compares with its peers
Against 136 TX banks with half to twice its assets, National Bank & Trust's strongest measure in Q2 2026 is assets per employee ($7.3M vs. a $6.6M peer median). Its weakest relative measure is net interest margin (2.89% vs. 4.20%).
| Measure | National Bank & Trust | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.43% | 1.47% | Bottom third Ahead of 10% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.89% | 4.20% | Bottom third Ahead of 6% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 82.71% | 62.59% | Bottom third Ahead of 10% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.3M | $6.6M | Middle third Ahead of 62% of peers |
| Loans to deposits Net loans and leases over total deposits. | 65.22% | 67.34% | Context |
What it means for lending operations
Its efficiency ratio of 82.71% is above the 62.59% 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 Sterling City Sterling City, TX · $240M
- Spring Hill State Bank Longview, TX · $238M
- Bridge City State Bank Bridge City, TX · $247M
- Cypress Bank, SSB Pittsburg, TX · $236M
- The City National Bank of Taylor Taylor, TX · $250M
- First National Bank of Burleson Burleson, TX · $251M
Questions about National Bank & Trust
How big is National Bank & Trust?
National Bank & Trust, established in 1888, is headquartered in La Grange, TX. It reported $242M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is National Bank & Trust's return on assets?
0.43% annualized in Q2 2026, against a 1.47% median for 136 TX banks with half to twice its assets, ahead of 10% of them.
What is National Bank & Trust's efficiency ratio?
82.71% in Q2 2026: it spent about 83 cents in noninterest expense for each dollar of revenue. The peer median is 62.59%, and lower is better.
Is National Bank & Trust growing its loans?
Net loans grew 1.9% over the year to Q2 2026, while deposits grew 9.7%.
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.