The First National Bank of Tom Bean: how it compares with its peers
Against 117 TX banks with half to twice its assets, The First National Bank of Tom Bean's strongest measure in Q2 2026 is net interest margin (5.60% vs. a 4.14% peer median). Its weakest relative measure is assets per employee ($3.8M vs. $6.4M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.05% | 1.44% | Bottom third Ahead of 26% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.60% | 4.14% | Top third Ahead of 94% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 65.00% | 63.93% | Middle third Ahead of 44% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $3.8M | $6.4M | Bottom third Ahead of 3% of peers |
| Loans to deposits Net loans and leases over total deposits. | 93.23% | 62.75% | Context |
What it means for lending operations
Its efficiency ratio of 65.00% is above the 63.93% 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
- Graham Savings and Loan, SSB Graham, TX · $155M
- First National Bank of Fort Stockton Fort Stockton, TX · $153M
- The First National Bank of Winnsboro Winnsboro, TX · $158M
- Fannin Bank Bonham, TX · $159M
- Agility Bank, National Association Houston, TX · $152M
Questions about The First National Bank of Tom Bean
How big is The First National Bank of Tom Bean?
The First National Bank of Tom Bean, established in 1906, is headquartered in Tom Bean, TX. It reported $156M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is The First National Bank of Tom Bean's return on assets?
1.05% annualized in Q2 2026, against a 1.44% median for 117 TX banks with half to twice its assets, ahead of 26% of them.
What is The First National Bank of Tom Bean's efficiency ratio?
65.00% in Q2 2026: it spent about 65 cents in noninterest expense for each dollar of revenue. The peer median is 63.93%, and lower is better.
Is The First National Bank of Tom Bean growing its loans?
Net loans grew 11.9% over the year to Q2 2026, while deposits grew 8.1%.
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.