Junction National Bank
Junction, TX · Cert 15078 · Peer group: banks under $1B in assets in TX (n=208-211)
National charter · OCC · 1 branch
Q2 2026
$93.0MAssets
$21.5MLoans
$84.6MDeposits
$8.2MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in TX (rank 44 of 208).
- Widest gap: equity / assets trails 83% of banks under $1B in assets in TX (rank 176 of 211).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.28%
Rank 92 of 211
Net Interest Margin
3.09%
Rank 172 of 211
Efficiency Ratio
54.17%
Rank 60 of 211
Equity / Assets
8.84%
Rank 176 of 211
Non-interest income vs. expense
Unfavorable gap of $1.4M · efficiency ratio beats 72% 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 | 1.28% | 0.87% | 1.20% | 1.65% | Beats 56% | 92 / 211 | |
| Return on Equity | 14.43% | 7.52% | 11.67% | 14.58% | Beats 73% | 56 / 211 | |
| Net Interest Margin | 3.09% | 3.28% | 3.82% | 4.31% | Beats 18% | 172 / 211 | |
| Efficiency Ratio | 54.17% | 53.01% | 64.18% | 73.65% | Beats 72% | 60 / 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 62% | 80 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 12.04% | 11.72% | 14.45% | 19.57% | Beats 28% | 152 / 211 | |
| Total Risk-Based Capital Ratio | 12.04% | 11.94% | 14.78% | 20.30% | Beats 27% | 153 / 211 | |
| Equity / Assets | 8.84% | 9.41% | 11.06% | 12.94% | Beats 17% | 176 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 25.36% | 45.39% | 66.56% | 82.03% | 6th pctl | 195 / 208 | |
| Loans / Assets | 23.07% | 39.13% | 56.90% | 70.46% | 8th pctl | 194 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |