First National Bank of Fort Stockton
Fort Stockton, TX · Cert 17913 · Peer group: banks under $1B in assets in TX (n=208-211) · FNB Holding Co.
National charter · OCC · 2 branches
Q2 2026
$153.5MAssets
$74.4MLoans
$137.7MDeposits
$15.0MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 81% of banks under $1B in assets in TX (rank 40 of 211).
- Widest gap: efficiency ratio trails 82% of banks under $1B in assets in TX (rank 174 of 211).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.85%
Rank 161 of 211
Net Interest Margin
4.53%
Rank 40 of 211
Efficiency Ratio
77.71%
Rank 174 of 211
Equity / Assets
9.78%
Rank 149 of 211
Non-interest income vs. expense
Unfavorable gap of $5.4M · efficiency ratio beats 18% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.85% | 0.87% | 1.20% | 1.65% | Beats 24% | 161 / 211 | | |
| Return on Equity | 8.64% | 7.52% | 11.67% | 14.58% | Beats 35% | 138 / 211 | | |
| Net Interest Margin | 4.53% | 3.28% | 3.82% | 4.31% | Beats 81% | 40 / 211 | | |
| Efficiency Ratio | 77.71% | 53.01% | 64.18% | 73.65% | Beats 18% | 174 / 211 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.02% | 0.01% | 0.30% | 1.10% | Beats 73% | 58 / 208 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 71% | 63 / 208 | | |
| Capital |
| Tier 1 Capital Ratio | 12.20% | 11.72% | 14.45% | 19.57% | Beats 32% | 144 / 211 | | |
| Total Risk-Based Capital Ratio | 12.20% | 11.94% | 14.78% | 20.30% | Beats 31% | 145 / 211 | | |
| Equity / Assets | 9.78% | 9.41% | 11.06% | 12.94% | Beats 29% | 149 / 211 | | |
| Liquidity & Funding |
| Loans / Deposits | 54.01% | 45.39% | 66.56% | 82.03% | 30th pctl | 145 / 208 | | |
| Loans / Assets | 48.48% | 39.13% | 56.90% | 70.46% | 32nd pctl | 143 / 211 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |