Tejas Bank
Monahans, TX · Cert 18216 · Peer group: banks under $1B in assets in TX (n=210-213)
FDIC · 1 branch
Q4 2025
$238.6MAssets
$129.7MLoans
$210.3MDeposits
$24.3MEquity
Executive Summary
- Strongest standing: brokered deposits / deposits outperforms 100% of banks under $1B in assets in TX (rank 168 of 210).
- Widest gap: return on assets trails 90% of banks under $1B in assets in TX (rank 192 of 213).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.48%
Rank 192 of 213
Net Interest Margin
4.49%
Rank 38 of 213
Efficiency Ratio
69.79%
Rank 143 of 213
Equity / Assets
10.19%
Rank 130 of 213
Non-interest income vs. expense
Unfavorable gap of $7.3M · efficiency ratio beats 33% 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 | 0.48% | 0.77% | 1.13% | 1.52% | Beats 10% | 192 / 213 | |
| Return on Equity | 4.67% | 7.07% | 10.74% | 13.88% | Beats 13% | 185 / 213 | |
| Net Interest Margin | 4.49% | 3.14% | 3.75% | 4.24% | Beats 82% | 38 / 213 | |
| Efficiency Ratio | 69.79% | 54.59% | 62.86% | 72.52% | Beats 33% | 143 / 213 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.03% | 0.03% | 0.31% | 1.10% | Beats 76% | 52 / 210 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.45% | 11.73% | 14.44% | 19.36% | Beats 54% | 97 / 213 | |
| Total Risk-Based Capital Ratio | 16.70% | 11.74% | 15.06% | 20.10% | Beats 57% | 92 / 213 | |
| Equity / Assets | 10.19% | 9.38% | 10.88% | 12.70% | Beats 39% | 130 / 213 | |
| Liquidity & Funding |
| Loans / Deposits | 61.69% | 47.23% | 66.36% | 81.55% | 43rd pctl | 120 / 210 | |
| Loans / Assets | 54.37% | 41.45% | 57.89% | 69.26% | 42nd pctl | 122 / 210 | |
| Brokered Deposits / Deposits | 0.00% | n/a | n/a | n/a | Beats 100% | 168 / 210 | |