The City National Bank of Sulphur Springs: how it compares with its peers
Against 88 TX banks with half to twice its assets, The City National Bank of Sulphur Springs's strongest measure in Q2 2026 is return on assets (2.28% vs. a 1.54% peer median). Its weakest relative measure is assets per employee ($5.5M vs. $8.3M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.28% | 1.54% | Top third Ahead of 88% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.80% | 4.16% | Top third Ahead of 81% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 53.95% | 58.01% | Middle third Ahead of 66% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.5M | $8.3M | Bottom third Ahead of 9% of peers |
| Loans to deposits Net loans and leases over total deposits. | 76.96% | 79.82% | Context |
What it means for lending operations
Its efficiency ratio of 53.95% is better than the 58.01% 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
- Texas Security Bank Dallas, TX · $1.38B
- SouthStar Bank, S.S.B. Moulton, TX · $1.37B
- Wallis Bank Wallis, TX · $1.38B
- Alliance Bank Sulphur Springs, TX · $1.39B
- Southwestern National Bank Houston, TX · $1.39B
- Central Bank Houston, TX · $1.42B
Questions about The City National Bank of Sulphur Springs
How big is The City National Bank of Sulphur Springs?
The City National Bank of Sulphur Springs, established in 1889, is headquartered in Sulphur Springs, TX. It reported $1.37B in total assets in its Q2 2026 FDIC call report and operates 17 offices.
What is The City National Bank of Sulphur Springs's return on assets?
2.28% annualized in Q2 2026, against a 1.54% median for 88 TX banks with half to twice its assets, ahead of 88% of them.
What is The City National Bank of Sulphur Springs's efficiency ratio?
53.95% in Q2 2026: it spent about 54 cents in noninterest expense for each dollar of revenue. The peer median is 58.01%, and lower is better.
Is The City National Bank of Sulphur Springs growing its loans?
Net loans grew 6.2% over the year to Q2 2026, while deposits grew 2.7%.
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.