Robert Lee State Bank
Robert Lee, TX · Cert 15442 · Peer group: banks under $1B in assets in TX (n=208-211) · Robert Lee Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$42.9MAssets
$14.6MLoans
$37.2MDeposits
$5.7MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 76% of banks under $1B in assets in TX (rank 50 of 211).
- Widest gap: net charge-offs / loans trails 97% of banks under $1B in assets in TX (rank 202 of 208).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.31%
Rank 193 of 211
Net Interest Margin
3.48%
Rank 141 of 211
Efficiency Ratio
90.75%
Rank 198 of 211
Equity / Assets
13.18%
Rank 50 of 211
Non-interest income vs. expense
Unfavorable gap of $1.4M · efficiency ratio beats 7% 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 | 0.31% | 0.87% | 1.20% | 1.65% | Beats 9% | 193 / 211 | |
| Return on Equity | 2.37% | 7.52% | 11.67% | 14.58% | Beats 8% | 194 / 211 | |
| Net Interest Margin | 3.48% | 3.28% | 3.82% | 4.31% | Beats 33% | 141 / 211 | |
| Efficiency Ratio | 90.75% | 53.01% | 64.18% | 73.65% | Beats 7% | 198 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.09% | 0.01% | 0.30% | 1.10% | Beats 13% | 181 / 208 | |
| Net Charge-Offs / Loans | 0.34% | 0.00% | 0.01% | 0.06% | Beats 3% | 202 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 14.09% | 11.72% | 14.45% | 19.57% | Beats 46% | 113 / 211 | |
| Total Risk-Based Capital Ratio | 14.09% | 11.94% | 14.78% | 20.30% | Beats 44% | 118 / 211 | |
| Equity / Assets | 13.18% | 9.41% | 11.06% | 12.94% | Beats 76% | 50 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 39.34% | 45.39% | 66.56% | 82.03% | 15th pctl | 176 / 208 | |
| Loans / Assets | 34.10% | 39.13% | 56.90% | 70.46% | 17th pctl | 175 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |