Worthington Bank: how it compares with its peers
Against 127 TX banks with half to twice its assets, Worthington Bank's strongest measure in Q2 2026 is assets per employee ($8.2M vs. a $7.8M peer median). Its weakest relative measure is return on assets (1.16% vs. 1.43%).
| Measure | Worthington Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.16% | 1.43% | Bottom third Ahead of 31% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.28% | 4.20% | Middle third Ahead of 54% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 60.19% | 61.07% | Middle third Ahead of 51% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.2M | $7.8M | Middle third Ahead of 56% of peers |
| Loans to deposits Net loans and leases over total deposits. | 83.32% | 77.24% | Context |
What it means for lending operations
Its efficiency ratio of 60.19% is better than the 61.07% 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
- Classic Bank, National Association Cameron, TX · $657M
- Wellington State Bank Wellington, TX · $660M
- Community Bank & Trust, Waco, Texas Waco, TX · $649M
- First Community Bank Corpus Christi, TX · $663M
- Dominion Bank Dallas, TX · $647M
- TXN Bank Hondo, TX · $669M
Questions about Worthington Bank
How big is Worthington Bank?
Worthington Bank, established in 2002, is headquartered in Arlington, TX. It reported $655M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Worthington Bank's return on assets?
1.16% annualized in Q2 2026, against a 1.43% median for 127 TX banks with half to twice its assets, ahead of 31% of them.
What is Worthington Bank's efficiency ratio?
60.19% in Q2 2026: it spent about 60 cents in noninterest expense for each dollar of revenue. The peer median is 61.07%, and lower is better.
Is Worthington Bank growing its loans?
Net loans grew 3.3% over the year to Q2 2026, while deposits grew 11.1%.
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.