The City National Bank of San Saba: how it compares with its peers
Against 71 TX banks with half to twice its assets, The City National Bank of San Saba's strongest measure in Q2 2026 is assets per employee ($8.0M vs. a $5.7M peer median). Its weakest relative measure is net interest margin (2.25% vs. 4.00%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.86% | 1.24% | Bottom third Ahead of 31% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.25% | 4.00% | Bottom third Ahead of 0% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 66.32% | 67.77% | Middle third Ahead of 56% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.0M | $5.7M | Top third Ahead of 82% of peers |
| Loans to deposits Net loans and leases over total deposits. | 10.63% | 52.50% | Context |
What it means for lending operations
Its efficiency ratio of 66.32% is better than the 67.77% 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
- The First National Bank in Falfurrias Falfurrias, TX · $79M
- Citizens State Bank Anton, TX · $81M
- Zavala County Bank Crystal City, TX · $79M
- Pavillion Bank Richardson, TX · $78M
- Atascosa Bank Pleasanton, TX · $82M
- First National Bank of South Padre Island South Padre Island, TX · $78M
Questions about The City National Bank of San Saba
How big is The City National Bank of San Saba?
The City National Bank of San Saba, established in 1883, is headquartered in San Saba, TX. It reported $80M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is The City National Bank of San Saba's return on assets?
0.86% annualized in Q2 2026, against a 1.24% median for 71 TX banks with half to twice its assets, ahead of 31% of them.
What is The City National Bank of San Saba's efficiency ratio?
66.32% in Q2 2026: it spent about 66 cents in noninterest expense for each dollar of revenue. The peer median is 67.77%, and lower is better.
Is The City National Bank of San Saba growing its loans?
Net loans shrank 15.4% over the year to Q2 2026, while deposits shrank 7.1%.
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.