First National Bank of Dublin
Dublin, TX · Cert 26228 · Peer group: banks under $1B in assets in TX (n=208-211) · Dublin Bancshares Inc.
National charter · OCC · 3 branches
Q2 2026
$134.2MAssets
$96.5MLoans
$116.9MDeposits
$16.9MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 96% of banks under $1B in assets in TX (rank 9 of 211).
- Widest gap: net charge-offs / loans trails 90% of banks under $1B in assets in TX (rank 188 of 208).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.73%
Rank 44 of 211
Net Interest Margin
5.56%
Rank 9 of 211
Efficiency Ratio
63.57%
Rank 100 of 211
Equity / Assets
12.56%
Rank 65 of 211
Non-interest income vs. expense
Unfavorable gap of $4.4M · efficiency ratio beats 53% 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 | 1.73% | 0.87% | 1.20% | 1.65% | Beats 79% | 44 / 211 | |
| Return on Equity | 13.77% | 7.52% | 11.67% | 14.58% | Beats 69% | 65 / 211 | |
| Net Interest Margin | 5.56% | 3.28% | 3.82% | 4.31% | Beats 96% | 9 / 211 | |
| Efficiency Ratio | 63.57% | 53.01% | 64.18% | 73.65% | Beats 53% | 100 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.10% | 0.01% | 0.30% | 1.10% | Beats 62% | 80 / 208 | |
| Net Charge-Offs / Loans | 0.18% | 0.00% | 0.01% | 0.06% | Beats 10% | 188 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 16.70% | 11.72% | 14.45% | 19.57% | Beats 64% | 75 / 211 | |
| Total Risk-Based Capital Ratio | 17.96% | 11.94% | 14.78% | 20.30% | Beats 66% | 72 / 211 | |
| Equity / Assets | 12.56% | 9.41% | 11.06% | 12.94% | Beats 69% | 65 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 82.62% | 45.39% | 66.56% | 82.03% | 76th pctl | 50 / 208 | |
| Loans / Assets | 71.92% | 39.13% | 56.90% | 70.46% | 79th pctl | 45 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |