Bank19: how it compares with its peers
Against 110 TX banks with half to twice its assets, Bank19's strongest measure in Q2 2026 is net interest margin (4.66% vs. a 4.17% peer median). Its weakest relative measure is assets per employee ($6.7M vs. $6.3M).
| Measure | Bank19 | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.61% | 1.41% | Middle third Ahead of 65% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.66% | 4.17% | Top third Ahead of 72% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 59.70% | 64.03% | Middle third Ahead of 62% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.7M | $6.3M | Middle third Ahead of 59% of peers |
| Loans to deposits Net loans and leases over total deposits. | 62.44% | 62.84% | Context |
What it means for lending operations
Its efficiency ratio of 59.70% is better than the 64.03% 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
- Mason Bank Mason, TX · $147M
- Johnson City Bank Johnson City, TX · $147M
- Carmine State Bank Carmine, TX · $149M
- First State Bank Shallowater, TX · $151M
- The American National Bank of Mount Pleasant Mount Pleasant, TX · $145M
- Agility Bank, National Association Houston, TX · $152M
Questions about Bank19
How big is Bank19?
Bank19, established in 1898, is headquartered in Memphis, TX. It reported $148M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Bank19's return on assets?
1.61% annualized in Q2 2026, against a 1.41% median for 110 TX banks with half to twice its assets, ahead of 65% of them.
What is Bank19's efficiency ratio?
59.70% in Q2 2026: it spent about 60 cents in noninterest expense for each dollar of revenue. The peer median is 64.03%, and lower is better.
Is Bank19 growing its loans?
Net loans grew 72.2% over the year to Q2 2026, while deposits grew 94.6%.
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.