First National Bank of Aspermont, The
Aspermont, TX · Cert 3079 · Peer group: banks under $1B in assets in TX (n=208-211) · Aspermont Bankshares Inc.
National charter · OCC · 1 branch
Q2 2026
$133.9MAssets
$49.8MLoans
$128.0MDeposits
$5.3MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in TX (rank 43 of 208).
- Widest gap: equity / assets trails 100% of banks under $1B in assets in TX (rank 210 of 211).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.87%
Rank 160 of 211
Net Interest Margin
2.79%
Rank 188 of 211
Efficiency Ratio
64.02%
Rank 105 of 211
Equity / Assets
3.98%
Rank 210 of 211
Non-interest income vs. expense
Unfavorable gap of $2.1M · efficiency ratio beats 51% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.87% | 0.87% | 1.20% | 1.65% | Beats 24% | 160 / 211 | | |
| Return on Equity | 21.73% | 7.52% | 11.67% | 14.58% | Beats 96% | 8 / 211 | | |
| Net Interest Margin | 2.79% | 3.28% | 3.82% | 4.31% | Beats 11% | 188 / 211 | | |
| Efficiency Ratio | 64.02% | 53.01% | 64.18% | 73.65% | Beats 51% | 105 / 211 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.29% | 0.01% | 0.30% | 1.10% | Beats 50% | 104 / 208 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 100% | 43 / 208 | | |
| Capital |
| Tier 1 Capital Ratio | 9.07% | 11.72% | 14.45% | 19.57% | Beats 1% | 209 / 211 | | |
| Total Risk-Based Capital Ratio | 9.07% | 11.94% | 14.78% | 20.30% | Beats 1% | 209 / 211 | | |
| Equity / Assets | 3.98% | 9.41% | 11.06% | 12.94% | Beats 0% | 210 / 211 | | |
| Liquidity & Funding |
| Loans / Deposits | 38.94% | 45.39% | 66.56% | 82.03% | 15th pctl | 177 / 208 | | |
| Loans / Assets | 37.23% | 39.13% | 56.90% | 70.46% | 22nd pctl | 164 / 211 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |