Buckholts State Bank, The
Buckholts, TX · Cert 11916 · Peer group: banks under $1B in assets in TX (n=208-211)
State charter, non-member · FDIC · 3 branches
Q2 2026
$138.8MAssets
$86.9MLoans
$114.4MDeposits
$24.3MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in TX (rank 43 of 208).
- Widest gap: return on equity trails 38% of banks under $1B in assets in TX (rank 81 of 211).
- Overall: at or above the peer median on 9 of 9 directional measures.
Return on Assets
2.24%
Rank 11 of 211
Net Interest Margin
4.33%
Rank 50 of 211
Efficiency Ratio
36.11%
Rank 10 of 211
Equity / Assets
17.48%
Rank 15 of 211
Non-interest income vs. expense
Unfavorable gap of $2.0M · efficiency ratio beats 96% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.24% | 0.87% | 1.20% | 1.65% | Beats 95% | 11 / 211 | |
| Return on Equity | 12.83% | 7.52% | 11.67% | 14.58% | Beats 62% | 81 / 211 | |
| Net Interest Margin | 4.33% | 3.28% | 3.82% | 4.31% | Beats 76% | 50 / 211 | |
| Efficiency Ratio | 36.11% | 53.01% | 64.18% | 73.65% | Beats 96% | 10 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.02% | 0.01% | 0.30% | 1.10% | Beats 74% | 56 / 208 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 100% | 43 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 28.11% | 11.72% | 14.45% | 19.57% | Beats 87% | 27 / 211 | |
| Total Risk-Based Capital Ratio | 28.92% | 11.94% | 14.78% | 20.30% | Beats 87% | 28 / 211 | |
| Equity / Assets | 17.48% | 9.41% | 11.06% | 12.94% | Beats 93% | 15 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 75.98% | 45.39% | 66.56% | 82.03% | 65th pctl | 72 / 208 | |
| Loans / Assets | 62.60% | 39.13% | 56.90% | 70.46% | 60th pctl | 84 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |