Fannin Bank: how it compares with its peers
Against 114 TX banks with half to twice its assets, Fannin Bank's strongest measure in Q2 2026 is return on assets (1.46% vs. a 1.41% peer median). Its weakest relative measure is efficiency ratio (70.64% vs. 63.98%).
| Measure | Fannin Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.46% | 1.41% | Middle third Ahead of 53% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.78% | 4.17% | Bottom third Ahead of 32% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 70.64% | 63.98% | Bottom third Ahead of 26% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.7M | $6.4M | Middle third Ahead of 36% of peers |
| Loans to deposits Net loans and leases over total deposits. | 55.22% | 63.53% | Context |
What it means for lending operations
Its efficiency ratio of 70.64% is above the 63.98% 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
- The First National Bank of Winnsboro Winnsboro, TX · $158M
- The First National Bank of Tom Bean Tom Bean, TX · $156M
- Fidelity Bank of Texas Waco, TX · $163M
- Graham Savings and Loan, SSB Graham, TX · $155M
- First National Bank of Fort Stockton Fort Stockton, TX · $153M
Questions about Fannin Bank
How big is Fannin Bank?
Fannin Bank, established in 1925, is headquartered in Bonham, TX. It reported $159M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Fannin Bank's return on assets?
1.46% annualized in Q2 2026, against a 1.41% median for 114 TX banks with half to twice its assets, ahead of 53% of them.
What is Fannin Bank's efficiency ratio?
70.64% in Q2 2026: it spent about 71 cents in noninterest expense for each dollar of revenue. The peer median is 63.98%, and lower is better.
Is Fannin Bank growing its loans?
Net loans grew 2.7% over the year to Q2 2026, while deposits grew 5.5%.
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.