R Bank: how it compares with its peers
Against 103 TX banks with half to twice its assets, R Bank's strongest measure in Q2 2026 is assets per employee ($9.0M vs. a $8.2M peer median). Its weakest relative measure is return on assets (0.72% vs. 1.42%).
| Measure | R Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.72% | 1.42% | Bottom third Ahead of 11% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.02% | 4.14% | Middle third Ahead of 44% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 75.05% | 60.19% | Bottom third Ahead of 11% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.0M | $8.2M | Middle third Ahead of 61% of peers |
| Loans to deposits Net loans and leases over total deposits. | 82.29% | 77.81% | Context |
What it means for lending operations
Its efficiency ratio of 75.05% is above the 60.19% 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
- Clear Fork Bank, National Association Albany, TX · $1.03B
- UBank Huntington, TX · $1.05B
- United Texas Bank, National Association Dallas, TX · $1.05B
- Ciera Bank Graham, TX · $993M
- HomeTown Bank, National Association Galveston, TX · $990M
- The First National Bank of McGregor Mc Gregor, TX · $1.08B
Questions about R Bank
How big is R Bank?
R Bank, established in 2009, is headquartered in Round Rock, TX. It reported $1.03B in total assets in its Q2 2026 FDIC call report and operates 9 offices.
What is R Bank's return on assets?
0.72% annualized in Q2 2026, against a 1.42% median for 103 TX banks with half to twice its assets, ahead of 11% of them.
What is R Bank's efficiency ratio?
75.05% in Q2 2026: it spent about 75 cents in noninterest expense for each dollar of revenue. The peer median is 60.19%, and lower is better.
Is R Bank growing its loans?
Net loans shrank 3.6% over the year to Q2 2026, while deposits grew 3.9%.
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.