Texas Financial Bank
Eden, TX · Cert 26738 · Peer group: banks under $1B in assets in TX (n=208-211) · Patrons Holdings Inc.
State charter, non-member · FDIC · 1 affiliate bank · 4 branches (5 in holding)
Q2 2026
$264.6MAssets
$148.8MLoans
$223.6MDeposits
$36.4MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in TX (rank 43 of 208).
- Widest gap: return on equity trails 92% of banks under $1B in assets in TX (rank 195 of 211).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.31%
Rank 192 of 211
Net Interest Margin
4.38%
Rank 45 of 211
Efficiency Ratio
83.33%
Rank 185 of 211
Equity / Assets
13.76%
Rank 39 of 211
Non-interest income vs. expense
Unfavorable gap of $8.9M · efficiency ratio beats 13% 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 | 0.31% | 0.87% | 1.20% | 1.65% | Beats 9% | 192 / 211 | |
| Return on Equity | 2.29% | 7.52% | 11.67% | 14.58% | Beats 8% | 195 / 211 | |
| Net Interest Margin | 4.38% | 3.28% | 3.82% | 4.31% | Beats 79% | 45 / 211 | |
| Efficiency Ratio | 83.33% | 53.01% | 64.18% | 73.65% | Beats 13% | 185 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.00% | 0.01% | 0.30% | 1.10% | Beats 27% | 152 / 208 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 100% | 43 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 11.72% | 11.72% | 14.45% | 19.57% | Beats 25% | 159 / 211 | |
| Total Risk-Based Capital Ratio | 11.72% | 11.94% | 14.78% | 20.30% | Beats 24% | 160 / 211 | |
| Equity / Assets | 13.76% | 9.41% | 11.06% | 12.94% | Beats 82% | 39 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 66.56% | 45.39% | 66.56% | 82.03% | 50th pctl | 104 / 208 | |
| Loans / Assets | 56.26% | 39.13% | 56.90% | 70.46% | 49th pctl | 108 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |