The First National Bank of Sterling City: how it compares with its peers
Against 136 TX banks with half to twice its assets, The First National Bank of Sterling City's strongest measure in Q2 2026 is assets per employee ($12.0M vs. a $6.6M peer median). Its weakest relative measure is net interest margin (2.95% vs. 4.20%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.67% | 1.46% | Middle third Ahead of 66% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.95% | 4.20% | Bottom third Ahead of 7% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 44.08% | 63.00% | Top third Ahead of 89% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $12.0M | $6.6M | Top third Ahead of 90% of peers |
| Loans to deposits Net loans and leases over total deposits. | 20.57% | 67.34% | Context |
What it means for lending operations
Its efficiency ratio of 44.08% is better than the 63.00% 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
- Spring Hill State Bank Longview, TX · $238M
- National Bank & Trust La Grange, TX · $242M
- Cypress Bank, SSB Pittsburg, TX · $236M
- Bridge City State Bank Bridge City, TX · $247M
- The First National Bank of Anderson Anderson, TX · $230M
- The City National Bank of Taylor Taylor, TX · $250M
Questions about The First National Bank of Sterling City
How big is The First National Bank of Sterling City?
The First National Bank of Sterling City, established in 1910, is headquartered in Sterling City, TX. It reported $240M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is The First National Bank of Sterling City's return on assets?
1.67% annualized in Q2 2026, against a 1.46% median for 136 TX banks with half to twice its assets, ahead of 66% of them.
What is The First National Bank of Sterling City's efficiency ratio?
44.08% in Q2 2026: it spent about 44 cents in noninterest expense for each dollar of revenue. The peer median is 63.00%, and lower is better.
Is The First National Bank of Sterling City growing its loans?
Net loans grew 3.1% over the year to Q2 2026, while deposits grew 3.8%.
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.