Stockmens National Bank in Cotulla
Cotulla, TX · Cert 14864 · Peer group: banks under $1B in assets in TX (n=208-211)
National charter · OCC · 1 branch
Q2 2026
$124.1MAssets
$25.1MLoans
$111.7MDeposits
$12.2MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in TX (rank 44 of 208).
- Widest gap: total risk-based capital ratio trails 86% of banks under $1B in assets in TX (rank 182 of 211).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.33%
Rank 84 of 211
Net Interest Margin
3.29%
Rank 157 of 211
Efficiency Ratio
52.56%
Rank 50 of 211
Equity / Assets
9.87%
Rank 142 of 211
Non-interest income vs. expense
Unfavorable gap of $1.9M · efficiency ratio beats 77% 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 | 1.33% | 0.87% | 1.20% | 1.65% | Beats 60% | 84 / 211 | |
| Return on Equity | 13.42% | 7.52% | 11.67% | 14.58% | Beats 66% | 72 / 211 | |
| Net Interest Margin | 3.29% | 3.28% | 3.82% | 4.31% | Beats 26% | 157 / 211 | |
| Efficiency Ratio | 52.56% | 53.01% | 64.18% | 73.65% | Beats 77% | 50 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.30% | 1.10% | Beats 100% | 44 / 208 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 100% | 43 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 10.62% | 11.72% | 14.45% | 19.57% | Beats 15% | 180 / 211 | |
| Total Risk-Based Capital Ratio | 10.62% | 11.94% | 14.78% | 20.30% | Beats 14% | 182 / 211 | |
| Equity / Assets | 9.87% | 9.41% | 11.06% | 12.94% | Beats 33% | 142 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 22.51% | 45.39% | 66.56% | 82.03% | 5th pctl | 198 / 208 | |
| Loans / Assets | 20.26% | 39.13% | 56.90% | 70.46% | 7th pctl | 197 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |