Austin County State Bank: how it compares with its peers
Against 140 TX banks with half to twice its assets, Austin County State Bank's strongest measure in Q2 2026 is net interest margin (5.11% vs. a 4.20% peer median). Its weakest relative measure is assets per employee ($8.1M vs. $7.4M).
| Measure | Austin County State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.21% | 1.46% | Top third Ahead of 84% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.11% | 4.20% | Top third Ahead of 89% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 49.50% | 60.64% | Top third Ahead of 79% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.1M | $7.4M | Middle third Ahead of 58% of peers |
| Loans to deposits Net loans and leases over total deposits. | 78.51% | 75.04% | Context |
What it means for lending operations
Its efficiency ratio of 49.50% is better than the 60.64% 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
- Bank of Texas Midland, TX · $544M
- Herring Bank Amarillo, TX · $541M
- First State Bank and Trust Company Carthage, TX · $547M
- Fayette Savings Bank, SSB La Grange, TX · $552M
- Texas Traditions Bank Katy, TX · $556M
- First Commercial Bank, National Association Seguin, TX · $566M
Questions about Austin County State Bank
How big is Austin County State Bank?
Austin County State Bank, established in 2007, is headquartered in Bellville, TX. It reported $543M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Austin County State Bank's return on assets?
2.21% annualized in Q2 2026, against a 1.46% median for 140 TX banks with half to twice its assets, ahead of 84% of them.
What is Austin County State Bank's efficiency ratio?
49.50% in Q2 2026: it spent about 49 cents in noninterest expense for each dollar of revenue. The peer median is 60.64%, and lower is better.
Is Austin County State Bank growing its loans?
Net loans grew 17.8% over the year to Q2 2026, while deposits grew 30.2%.
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.