First National Bank of Bosque County: how it compares with its peers
Against 122 TX banks with half to twice its assets, First National Bank of Bosque County's strongest measure in Q2 2026 is return on assets (2.12% vs. a 1.43% peer median). Its weakest relative measure is assets per employee ($5.9M vs. $6.5M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.12% | 1.43% | Top third Ahead of 82% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.58% | 4.17% | Top third Ahead of 73% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 55.68% | 63.90% | Top third Ahead of 70% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.9M | $6.5M | Middle third Ahead of 39% of peers |
| Loans to deposits Net loans and leases over total deposits. | 85.28% | 65.60% | Context |
What it means for lending operations
Its efficiency ratio of 55.68% is better than the 63.90% 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
- First Security State Bank Cranfills Gap, TX · $183M
- Peoples State Bank Shepherd, TX · $181M
- First State Bank Spearman, TX · $184M
- Greater State Bank Mcallen, TX · $180M
- First State Bank of Ben Wheeler, Texas Ben Wheeler, TX · $185M
- Peoples Bank Paris, TX · $185M
Questions about First National Bank of Bosque County
How big is First National Bank of Bosque County?
First National Bank of Bosque County, established in 1908, is headquartered in Valley Mills, TX. It reported $182M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is First National Bank of Bosque County's return on assets?
2.12% annualized in Q2 2026, against a 1.43% median for 122 TX banks with half to twice its assets, ahead of 82% of them.
What is First National Bank of Bosque County's efficiency ratio?
55.68% in Q2 2026: it spent about 56 cents in noninterest expense for each dollar of revenue. The peer median is 63.90%, and lower is better.
Is First National Bank of Bosque County growing its loans?
Net loans grew 2.6% over the year to Q2 2026, while deposits grew 4.0%.
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.