Harmony Bank: how it compares with its peers
Against 114 TX banks with half to twice its assets, Harmony Bank's strongest measure in Q2 2026 is net interest margin (5.02% vs. a 4.17% peer median). Its weakest relative measure is return on assets (1.16% vs. 1.44%).
| Measure | Harmony Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.16% | 1.44% | Bottom third Ahead of 30% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.02% | 4.17% | Top third Ahead of 90% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 59.80% | 60.54% | Middle third Ahead of 52% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.6M | $8.0M | Middle third Ahead of 62% of peers |
| Loans to deposits Net loans and leases over total deposits. | 87.98% | 77.35% | Context |
What it means for lending operations
Its efficiency ratio of 59.80% is better than the 60.54% 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
- Texas National Bank of Jacksonville Jacksonville, TX · $852M
- First Liberty Bank Liberty, TX · $873M
- Bank of the West Grapevine, TX · $830M
- Plains State Bank Humble, TX · $828M
- The First State Bank Louise, TX · $895M
- Titan Bank, N.A. Mineral Wells, TX · $896M
Questions about Harmony Bank
How big is Harmony Bank?
Harmony Bank, established in 2005, is headquartered in Dallas, TX. It reported $855M in total assets in its Q2 2026 FDIC call report and operates 12 offices.
What is Harmony Bank's return on assets?
1.16% annualized in Q2 2026, against a 1.44% median for 114 TX banks with half to twice its assets, ahead of 30% of them.
What is Harmony Bank's efficiency ratio?
59.80% in Q2 2026: it spent about 60 cents in noninterest expense for each dollar of revenue. The peer median is 60.54%, and lower is better.
Is Harmony Bank growing its loans?
Net loans grew 5.8% over the year to Q2 2026, while deposits grew 6.3%.
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.