Llano National Bank
Llano, TX · Cert 24305 · Peer group: banks under $1B in assets in TX (n=208-211) · Hill Country Bancshares Inc.
National charter · OCC · 5 branches
Q2 2026
$301.1MAssets
$173.6MLoans
$265.9MDeposits
$31.6MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 42% of banks under $1B in assets in TX (rank 121 of 208).
- Widest gap: net charge-offs / loans trails 82% of banks under $1B in assets in TX (rank 172 of 208).
- Overall: at or above the peer median on 0 of 9 directional measures.
Return on Assets
1.05%
Rank 125 of 211
Net Interest Margin
3.57%
Rank 128 of 211
Efficiency Ratio
70.13%
Rank 145 of 211
Equity / Assets
10.50%
Rank 126 of 211
Non-interest income vs. expense
Unfavorable gap of $7.2M · efficiency ratio beats 32% 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 | 1.05% | 0.87% | 1.20% | 1.65% | Beats 41% | 125 / 211 | |
| Return on Equity | 10.02% | 7.52% | 11.67% | 14.58% | Beats 40% | 127 / 211 | |
| Net Interest Margin | 3.57% | 3.28% | 3.82% | 4.31% | Beats 39% | 128 / 211 | |
| Efficiency Ratio | 70.13% | 53.01% | 64.18% | 73.65% | Beats 32% | 145 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.45% | 0.01% | 0.30% | 1.10% | Beats 42% | 121 / 208 | |
| Net Charge-Offs / Loans | 0.11% | 0.00% | 0.01% | 0.06% | Beats 18% | 172 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 13.11% | 11.72% | 14.45% | 19.57% | Beats 42% | 123 / 211 | |
| Total Risk-Based Capital Ratio | 13.11% | 11.94% | 14.78% | 20.30% | Beats 40% | 126 / 211 | |
| Equity / Assets | 10.50% | 9.41% | 11.06% | 12.94% | Beats 40% | 126 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 65.29% | 45.39% | 66.56% | 82.03% | 48th pctl | 109 / 208 | |
| Loans / Assets | 57.67% | 39.13% | 56.90% | 70.46% | 51st pctl | 104 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |