Texana Bank, National Association: how it compares with its peers
Against 142 TX banks with half to twice its assets, Texana Bank, National Association's strongest measure in Q2 2026 is net interest margin (4.08% vs. a 4.18% peer median). Its weakest relative measure is assets per employee ($1.1M vs. $7.0M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.30% | 1.45% | Middle third Ahead of 39% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.08% | 4.18% | Middle third Ahead of 45% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 92.37% | 61.21% | Bottom third Ahead of 2% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $1.1M | $7.0M | Bottom third Ahead of 0% of peers |
| Loans to deposits Net loans and leases over total deposits. | 103.09% | 68.62% | Context |
What it means for lending operations
Its efficiency ratio of 92.37% is above the 61.21% 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
- Commercial National Bank of Texarkana Texarkana, TX · $330M
- Global One Bank Houston, TX · $333M
- Columbus State Bank Columbus, TX · $326M
- First State Bank of Burnet Burnet, TX · $326M
- Security State Bank Farwell, TX · $338M
- Integrity Bank SSB Houston, TX · $340M
Questions about Texana Bank, National Association
How big is Texana Bank, National Association?
Texana Bank, National Association, established in 1914, is headquartered in Linden, TX. It reported $331M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is Texana Bank, National Association's return on assets?
1.30% annualized in Q2 2026, against a 1.45% median for 142 TX banks with half to twice its assets, ahead of 39% of them.
What is Texana Bank, National Association's efficiency ratio?
92.37% in Q2 2026: it spent about 92 cents in noninterest expense for each dollar of revenue. The peer median is 61.21%, and lower is better.
Is Texana Bank, National Association growing its loans?
Net loans grew 6.5% over the year to Q2 2026, while deposits grew 14.0%.
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.