The MINT National Bank: how it compares with its peers
Against 143 TX banks with half to twice its assets, The MINT National Bank's strongest measure in Q2 2026 is net interest margin (4.94% vs. a 4.18% peer median). Its weakest relative measure is efficiency ratio (62.89% vs. 60.89%).
| Measure | The MINT National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.44% | 1.46% | Middle third Ahead of 49% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.94% | 4.18% | Top third Ahead of 88% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 62.89% | 60.89% | Middle third Ahead of 45% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.7M | $7.1M | Top third Ahead of 80% of peers |
| Loans to deposits Net loans and leases over total deposits. | 100.82% | 72.09% | Context |
What it means for lending operations
Its efficiency ratio of 62.89% is above the 60.89% 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
- Lakeside Bank Rockwall, TX · $389M
- Farmers State Bank Center, TX · $391M
- Yoakum Bank Yoakum, TX · $386M
- TrustTexas Bank, SSB Cuero, TX · $393M
- The First National Bank of Stanton Stanton, TX · $395M
- Austin Capital Bank SSB Austin, TX · $395M
Questions about The MINT National Bank
How big is The MINT National Bank?
The MINT National Bank, established in 2009, is headquartered in Kingwood, TX. It reported $389M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is The MINT National Bank's return on assets?
1.44% annualized in Q2 2026, against a 1.46% median for 143 TX banks with half to twice its assets, ahead of 49% of them.
What is The MINT National Bank's efficiency ratio?
62.89% in Q2 2026: it spent about 63 cents in noninterest expense for each dollar of revenue. The peer median is 60.89%, and lower is better.
Is The MINT National Bank growing its loans?
Net loans shrank 3.0% over the year to Q2 2026, while deposits shrank 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.