Texas National Bank: how it compares with its peers
Against 91 TX banks with half to twice its assets, Texas National Bank's strongest measure in Q2 2026 is net interest margin (4.50% vs. a 4.14% peer median). Its weakest relative measure is assets per employee ($6.3M vs. $8.2M).
| Measure | Texas National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.16% | 1.46% | Bottom third Ahead of 31% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.50% | 4.14% | Top third Ahead of 68% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 65.12% | 59.33% | Bottom third Ahead of 27% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.3M | $8.2M | Bottom third Ahead of 24% of peers |
| Loans to deposits Net loans and leases over total deposits. | 69.84% | 79.80% | Context |
What it means for lending operations
Its efficiency ratio of 65.12% is above the 59.33% 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
- Citizens State Bank Somerville, TX · $1.22B
- The First National Bank of Bastrop Bastrop, TX · $1.18B
- Pointbank Pilot Point, TX · $1.16B
- Legend Bank, N.A. Bowie, TX · $1.27B
- Security State Bank Pearsall, TX · $1.14B
Questions about Texas National Bank
How big is Texas National Bank?
Texas National Bank, established in 1920, is headquartered in Mcallen, TX. It reported $1.22B in total assets in its Q2 2026 FDIC call report and operates 14 offices.
What is Texas National Bank's return on assets?
1.16% annualized in Q2 2026, against a 1.46% median for 91 TX banks with half to twice its assets, ahead of 31% of them.
What is Texas National Bank's efficiency ratio?
65.12% in Q2 2026: it spent about 65 cents in noninterest expense for each dollar of revenue. The peer median is 59.33%, and lower is better.
Is Texas National Bank growing its loans?
Net loans grew 13.0% over the year to Q2 2026, while deposits grew 25.7%.
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.