Texas Republic Bank, National Association: how it compares with its peers
Against 142 TX banks with half to twice its assets, Texas Republic Bank, National Association's strongest measure in Q2 2026 is net interest margin (5.24% vs. a 4.23% peer median). Its weakest relative measure is assets per employee ($6.5M vs. $7.3M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.78% | 1.46% | Top third Ahead of 70% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.24% | 4.23% | Top third Ahead of 92% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 53.97% | 60.64% | Top third Ahead of 68% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.5M | $7.3M | Middle third Ahead of 37% of peers |
| Loans to deposits Net loans and leases over total deposits. | 112.18% | 74.49% | Context |
What it means for lending operations
Its efficiency ratio of 53.97% 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
- Citizens State Bank Woodville, TX · $511M
- Citizens State Bank Sealy, TX · $507M
- The Brenham National Bank Brenham, TX · $518M
- Colonial Savings, F.A. Fort Worth, TX · $502M
- State Bank of De Kalb De Kalb, TX · $520M
- The First National Bank of Mertzon Mertzon, TX · $500M
Questions about Texas Republic Bank, National Association
How big is Texas Republic Bank, National Association?
Texas Republic Bank, National Association, established in 1891, is headquartered in Frisco, TX. It reported $511M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is Texas Republic Bank, National Association's return on assets?
1.78% annualized in Q2 2026, against a 1.46% median for 142 TX banks with half to twice its assets, ahead of 70% of them.
What is Texas Republic Bank, National Association's efficiency ratio?
53.97% in Q2 2026: it spent about 54 cents in noninterest expense for each dollar of revenue. The peer median is 60.64%, and lower is better.
Is Texas Republic Bank, National Association growing its loans?
Net loans grew 8.3% over the year to Q2 2026, while deposits grew 3.4%.
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.