T Bank, National Association: how it compares with its peers
Against 99 TX banks with half to twice its assets, T Bank, National Association's strongest measure in Q2 2026 is net interest margin (4.62% vs. a 4.14% peer median). Its weakest relative measure is assets per employee ($5.8M vs. $8.2M).
| Measure | T Bank, National Association | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.22% | 1.43% | Middle third Ahead of 37% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.62% | 4.14% | Top third Ahead of 75% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 68.80% | 59.93% | Bottom third Ahead of 24% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.8M | $8.2M | Bottom third Ahead of 14% of peers |
| Loans to deposits Net loans and leases over total deposits. | 95.12% | 78.01% | Context |
What it means for lending operations
Its efficiency ratio of 68.80% is above the 59.93% 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
- First Command Bank Fort Worth, TX · $1.08B
- Frontier Bank of Texas Elgin, TX · $1.08B
- The First National Bank of McGregor Mc Gregor, TX · $1.08B
- Security State Bank Pearsall, TX · $1.14B
- United Texas Bank, National Association Dallas, TX · $1.05B
- UBank Huntington, TX · $1.05B
Questions about T Bank, National Association
How big is T Bank, National Association?
T Bank, National Association, established in 2004, is headquartered in Dallas, TX. It reported $1.10B in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is T Bank, National Association's return on assets?
1.22% annualized in Q2 2026, against a 1.43% median for 99 TX banks with half to twice its assets, ahead of 37% of them.
What is T Bank, National Association's efficiency ratio?
68.80% in Q2 2026: it spent about 69 cents in noninterest expense for each dollar of revenue. The peer median is 59.93%, and lower is better.
Is T Bank, National Association growing its loans?
Net loans grew 13.4% over the year to Q2 2026, while deposits grew 11.5%.
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.