First Texas Bank
Killeen, TX · Cert 22551 · Peer group: banks under $1B in assets in TX (n=230-233)
FDIC · 4 branches
Q3 2024
$416.7MAssets
$192.3MLoans
$368.4MDeposits
$44.4MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in TX (rank 55 of 231).
- Widest gap: net interest margin trails 63% of banks under $1B in assets in TX (rank 146 of 233).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.24%
Rank 78 of 233
Net Interest Margin
3.18%
Rank 146 of 233
Efficiency Ratio
54.61%
Rank 53 of 233
Equity / Assets
10.66%
Rank 99 of 233
Non-interest income vs. expense
Unfavorable gap of $6.4M · efficiency ratio beats 78% 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 | 1.24% | 0.70% | 1.03% | 1.41% | Beats 67% | 78 / 233 | |
| Return on Equity | 11.64% | 6.64% | 10.13% | 13.99% | Beats 60% | 93 / 230 | |
| Net Interest Margin | 3.18% | 2.83% | 3.52% | 4.24% | Beats 37% | 146 / 233 | |
| Efficiency Ratio | 54.61% | 55.71% | 65.30% | 74.67% | Beats 78% | 53 / 233 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.18% | 0.61% | Beats 100% | 55 / 231 | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.03% | 0.10% | Beats 68% | 75 / 231 | |
| Capital |
| Tier 1 Capital Ratio | 19.36% | 11.86% | 14.65% | 19.57% | Beats 73% | 63 / 233 | |
| Total Risk-Based Capital Ratio | 19.75% | 12.02% | 15.27% | 20.51% | Beats 73% | 64 / 233 | |
| Equity / Assets | 10.66% | 8.73% | 10.17% | 12.19% | Beats 58% | 99 / 233 | |
| Liquidity & Funding |
| Loans / Deposits | 52.20% | 46.87% | 69.26% | 82.44% | 32nd pctl | 157 / 231 | |
| Loans / Assets | 46.16% | 41.30% | 58.92% | 69.24% | 32nd pctl | 157 / 231 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |