The First National Bank of Mertzon: how it compares with its peers
Against 144 TX banks with half to twice its assets, The First National Bank of Mertzon's strongest measure in Q2 2026 is efficiency ratio (31.20% vs. a 60.64% peer median). Its weakest relative measure is net interest margin (3.21% vs. 4.23%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.72% | 1.46% | Top third Ahead of 68% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.21% | 4.23% | Bottom third Ahead of 10% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 31.20% | 60.64% | Top third Ahead of 97% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $16.7M | $7.3M | Top third Ahead of 93% of peers |
| Loans to deposits Net loans and leases over total deposits. | 21.29% | 74.49% | Context |
What it means for lending operations
Its efficiency ratio of 31.20% is better than the 60.64% 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
- Colonial Savings, F.A. Fort Worth, TX · $502M
- Citizens State Bank Sealy, TX · $507M
- Texas Republic Bank, National Association Frisco, TX · $511M
- Citizens State Bank Woodville, TX · $511M
- Citizens Bank Kilgore, TX · $489M
- The Brenham National Bank Brenham, TX · $518M
Questions about The First National Bank of Mertzon
How big is The First National Bank of Mertzon?
The First National Bank of Mertzon, established in 1910, is headquartered in Mertzon, TX. It reported $500M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is The First National Bank of Mertzon's return on assets?
1.72% annualized in Q2 2026, against a 1.46% median for 144 TX banks with half to twice its assets, ahead of 68% of them.
What is The First National Bank of Mertzon's efficiency ratio?
31.20% in Q2 2026: it spent about 31 cents in noninterest expense for each dollar of revenue. The peer median is 60.64%, and lower is better.
Is The First National Bank of Mertzon growing its loans?
Net loans grew 23.2% over the year to Q2 2026, while deposits shrank 10.1%.
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.