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First National Bank of Burleson

Burleson, TX · Cert 23430 · Peer group: banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=28) · Citadel Bcorp Inc.

National charter · OCC · 2 branches

Q2 2026

$250.8MAssets
$104.0MLoans
$218.6MDeposits
$31.5MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 9 of 28).
  • Widest gap: total risk-based capital ratio trails 75% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 21 of 28).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.96%

Rank 3 of 28

Net Interest Margin

4.06%

Rank 15 of 28

Efficiency Ratio

42.31%

Rank 3 of 28

Equity / Assets

12.57%

Rank 9 of 28

Non-interest income vs. expense

$0.6M$4.6MINCOMEEXPENSE
Unfavorable gap of $4.0M · efficiency ratio beats 93% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area
Bank 42.31%Peer median 61.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.96%1.12%1.22%1.47%Beats 89%3 / 28
Return on Equity15.59%8.64%12.47%13.41%Beats 86%4 / 28
Net Interest Margin4.06%3.77%4.06%4.51%Beats 46%15 / 28
Efficiency Ratio42.31%57.39%61.94%66.78%Beats 93%3 / 28
Asset Quality
Nonperforming Loans / Loans0.00%n/a0.28%1.06%Beats 100%9 / 28
Net Charge-Offs / Loans0.00%0.00%0.01%0.20%Beats 75%8 / 28
Capital
Tier 1 Capital Ratio12.59%12.55%13.77%17.51%Beats 32%19 / 28
Total Risk-Based Capital Ratio12.59%12.59%14.62%18.18%Beats 25%21 / 28
Equity / Assets12.57%9.58%11.17%13.58%Beats 68%9 / 28
Liquidity & Funding
Loans / Deposits47.58%66.90%84.79%89.14%11th pctl25 / 28
Loans / Assets41.46%57.58%73.59%77.32%11th pctl25 / 28
Brokered Deposits / Depositsn/aNot reported for this institution