First Texas Bank: how it compares with its peers
Against 138 TX banks with half to twice its assets, First Texas Bank's strongest measure in Q2 2026 is efficiency ratio (42.26% vs. a 62.07% peer median). Its weakest relative measure is net interest margin (3.71% vs. 4.20%).
| Measure | First Texas Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.90% | 1.44% | Top third Ahead of 75% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.71% | 4.20% | Bottom third Ahead of 25% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 42.26% | 62.07% | Top third Ahead of 93% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $13.7M | $6.7M | Top third Ahead of 93% of peers |
| Loans to deposits Net loans and leases over total deposits. | 39.86% | 67.34% | Context |
What it means for lending operations
Its efficiency ratio of 42.26% is better than the 62.07% 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
- Guadalupe Bank Kerrville, TX · $261M
- Cendera Bank Bells, TX · $258M
- Texas Financial Bank Eden, TX · $265M
- Bank of DeSoto, National Association De Soto, TX · $265M
- Anahuac National Bank Anahuac, TX · $266M
- First National Bank of Burleson Burleson, TX · $251M
Questions about First Texas Bank
How big is First Texas Bank?
First Texas Bank, established in 1884, is headquartered in Lampasas, TX. It reported $260M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is First Texas Bank's return on assets?
1.90% annualized in Q2 2026, against a 1.44% median for 138 TX banks with half to twice its assets, ahead of 75% of them.
What is First Texas Bank's efficiency ratio?
42.26% in Q2 2026: it spent about 42 cents in noninterest expense for each dollar of revenue. The peer median is 62.07%, and lower is better.
Is First Texas Bank growing its loans?
Net loans grew 6.4% over the year to Q2 2026, while deposits grew 8.4%.
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.