The First National Bank of Lipan: how it compares with its peers
Against 9 TX banks with half to twice its assets, The First National Bank of Lipan's strongest measure in Q2 2026 is assets per employee ($4.3M vs. a $1.8M peer median). Its weakest relative measure is return on assets (0.92% vs. 0.30%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.92% | 0.30% | Top third Ahead of 67% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.48% | 3.75% | Top third Ahead of 67% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 73.56% | 93.18% | Top third Ahead of 78% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.3M | $1.8M | Top third Ahead of 89% of peers |
| Loans to deposits Net loans and leases over total deposits. | 32.08% | 36.67% | Context |
What it means for lending operations
Its efficiency ratio of 73.56% is better than the 93.18% 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
- Brazos National Bank Richwood, TX · $28M
- Houston Bank & Trust Houston, TX · $39M
- Avana Bank Abilene, TX · $40M
Questions about The First National Bank of Lipan
How big is The First National Bank of Lipan?
The First National Bank of Lipan, established in 1907, is headquartered in Lipan, TX. It reported $26M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is The First National Bank of Lipan's return on assets?
0.92% annualized in Q2 2026, against a 0.30% median for 9 TX banks with half to twice its assets, ahead of 67% of them.
What is The First National Bank of Lipan's efficiency ratio?
73.56% in Q2 2026: it spent about 74 cents in noninterest expense for each dollar of revenue. The peer median is 93.18%, and lower is better.
Is The First National Bank of Lipan growing its loans?
Net loans shrank 5.5% over the year to Q2 2026, while deposits shrank 15.5%.
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.