Farmers National Bank of Newcastle
Newcastle, TX · Cert 14404 · Peer group: banks under $1B in assets in TX (n=225-228)
FDIC · 1 branch
Q1 2025
$50.7MAssets
$24.7MLoans
$48.4MDeposits
$1.3MEquity
Executive Summary
- Strongest standing: return on equity outperforms 100% of banks under $1B in assets in TX (rank 1 of 225).
- Widest gap: equity / assets trails 98% of banks under $1B in assets in TX (rank 223 of 228).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.77%
Rank 169 of 228
Net Interest Margin
3.38%
Rank 143 of 228
Efficiency Ratio
74.84%
Rank 176 of 228
Equity / Assets
2.65%
Rank 223 of 228
Non-interest income vs. expense
Unfavorable gap of $1.3M · efficiency ratio beats 23% 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 | 0.77% | 0.76% | 1.09% | 1.48% | Beats 26% | 169 / 228 | |
| Return on Equity | 29.21% | 6.96% | 10.63% | 14.91% | Beats 100% | 1 / 225 | |
| Net Interest Margin | 3.38% | 3.07% | 3.63% | 4.25% | Beats 37% | 143 / 228 | |
| Efficiency Ratio | 74.84% | 55.39% | 65.15% | 74.18% | Beats 23% | 176 / 228 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.07% | 0.01% | 0.22% | 0.67% | Beats 61% | 89 / 225 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.02% | Beats 50% | 113 / 225 | |
| Capital |
| Tier 1 Capital Ratio | 11.46% | 11.65% | 14.55% | 19.25% | Beats 22% | 177 / 228 | |
| Total Risk-Based Capital Ratio | 11.46% | 11.69% | 14.89% | 20.30% | Beats 22% | 178 / 228 | |
| Equity / Assets | 2.65% | 8.58% | 10.37% | 12.02% | Beats 2% | 223 / 228 | |
| Liquidity & Funding |
| Loans / Deposits | 51.04% | 47.92% | 67.81% | 82.04% | 30th pctl | 158 / 225 | |
| Loans / Assets | 48.73% | 42.11% | 58.88% | 69.86% | 32nd pctl | 152 / 225 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |