The First National Bank of Sonora: how it compares with its peers
Against 125 TX banks with half to twice its assets, The First National Bank of Sonora's strongest measure in Q2 2026 is net interest margin (4.80% vs. a 4.20% peer median). Its weakest relative measure is efficiency ratio (83.61% vs. 60.19%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.57% | 1.44% | Bottom third Ahead of 8% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.80% | 4.20% | Top third Ahead of 86% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 83.61% | 60.19% | Bottom third Ahead of 7% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.5M | $7.8M | Bottom third Ahead of 32% of peers |
| Loans to deposits Net loans and leases over total deposits. | 82.91% | 77.24% | Context |
What it means for lending operations
Its efficiency ratio of 83.61% is above the 60.19% 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
- Texas Gulf Bank, National Association Houston, TX · $727M
- Grandview Bank Grandview, TX · $729M
- Pilgrim Bank Pittsburg, TX · $715M
- Kleberg Bank, N.A. Kingsville, TX · $737M
- First Bank Burkburnett, TX · $704M
- Southwest Bank Odessa, TX · $694M
Questions about The First National Bank of Sonora
How big is The First National Bank of Sonora?
The First National Bank of Sonora, established in 1900, is headquartered in Sonora, TX. It reported $722M in total assets in its Q2 2026 FDIC call report and operates 9 offices.
What is The First National Bank of Sonora's return on assets?
0.57% annualized in Q2 2026, against a 1.44% median for 125 TX banks with half to twice its assets, ahead of 8% of them.
What is The First National Bank of Sonora's efficiency ratio?
83.61% in Q2 2026: it spent about 84 cents in noninterest expense for each dollar of revenue. The peer median is 60.19%, and lower is better.
Is The First National Bank of Sonora growing its loans?
Net loans grew 23.3% over the year to Q2 2026, while deposits grew 0.8%.
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.