First Texas Bank
Georgetown, TX · Cert 11935 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · First Texas Bcorp Inc.
State charter, non-member · FDIC · 1 affiliate bank · 11 branches (13 in holding)
Q2 2026
$1.3BAssets
$573.5MLoans
$1.2BDeposits
$144.7MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 95% of banks $1B-$10B in assets operating in a single state (rank 15 of 257).
- Widest gap: nonperforming loans / loans trails 64% of banks $1B-$10B in assets operating in a single state (rank 166 of 258).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.86%
Rank 28 of 258
Net Interest Margin
3.63%
Rank 103 of 258
Efficiency Ratio
41.11%
Rank 15 of 257
Equity / Assets
11.05%
Rank 94 of 258
Non-interest income vs. expense
Unfavorable gap of $16.5M · efficiency ratio beats 95% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.86% | 0.93% | 1.23% | 1.54% | Beats 89% | 28 / 258 | | |
| Return on Equity | 16.79% | 9.26% | 11.84% | 14.74% | Beats 87% | 34 / 258 | | |
| Net Interest Margin | 3.63% | 3.16% | 3.49% | 3.88% | Beats 60% | 103 / 258 | | |
| Efficiency Ratio | 41.11% | 51.71% | 60.30% | 69.65% | Beats 95% | 15 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.58% | 0.19% | 0.46% | 0.90% | Beats 36% | 166 / 258 | | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.07% | Beats 75% | 66 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 20.48% | 11.41% | 12.98% | 15.12% | Beats 93% | 17 / 258 | | |
| Total Risk-Based Capital Ratio | 20.89% | 12.10% | 13.91% | 16.08% | Beats 93% | 19 / 258 | | |
| Equity / Assets | 11.05% | 9.09% | 10.24% | 11.72% | Beats 64% | 94 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 49.45% | 73.24% | 86.34% | 95.95% | 3rd pctl | 250 / 258 | | |
| Loans / Assets | 43.78% | 63.01% | 72.27% | 78.40% | 3rd pctl | 249 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |