Producer Bank of Texas
Powell, TX · Cert 18302 · Peer group: banks under $1B in assets in TX (n=208-211) · Producer Bcorp Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
$58.7MAssets
$26.0MLoans
$43.3MDeposits
$13.8MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 97% of banks under $1B in assets in TX (rank 6 of 211).
- Widest gap: efficiency ratio trails 98% of banks under $1B in assets in TX (rank 208 of 211).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
-0.79%
Rank 207 of 211
Net Interest Margin
3.77%
Rank 113 of 211
Efficiency Ratio
121.72%
Rank 208 of 211
Equity / Assets
23.50%
Rank 6 of 211
Non-interest income vs. expense
Unfavorable gap of $2.6M · efficiency ratio beats 2% 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 | -0.79% | 0.87% | 1.20% | 1.65% | Beats 2% | 207 / 211 | |
| Return on Equity | -3.36% | 7.52% | 11.67% | 14.58% | Beats 4% | 203 / 211 | |
| Net Interest Margin | 3.77% | 3.28% | 3.82% | 4.31% | Beats 46% | 113 / 211 | |
| Efficiency Ratio | 121.72% | 53.01% | 64.18% | 73.65% | Beats 2% | 208 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.58% | 0.01% | 0.30% | 1.10% | Beats 37% | 133 / 208 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 67% | 70 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 18.61% | 11.72% | 14.45% | 19.57% | Beats 73% | 56 / 211 | |
| Total Risk-Based Capital Ratio | 18.61% | 11.94% | 14.78% | 20.30% | Beats 71% | 62 / 211 | |
| Equity / Assets | 23.50% | 9.41% | 11.06% | 12.94% | Beats 97% | 6 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 60.19% | 45.39% | 66.56% | 82.03% | 37th pctl | 131 / 208 | |
| Loans / Assets | 44.32% | 39.13% | 56.90% | 70.46% | 28th pctl | 151 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |