First National Bank of Ballinger, The
Ballinger, TX · Cert 3087 · Peer group: banks under $1B in assets in TX (n=208-211) · Texas Country Bancshares Inc.
National charter · OCC · 1 affiliate bank · 3 branches (4 in holding)
Q2 2026
$275.3MAssets
$154.0MLoans
$244.9MDeposits
$28.0MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 72% of banks under $1B in assets in TX (rank 60 of 211).
- Widest gap: equity / assets trails 63% of banks under $1B in assets in TX (rank 133 of 211).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.21%
Rank 103 of 211
Net Interest Margin
3.92%
Rank 100 of 211
Efficiency Ratio
66.55%
Rank 126 of 211
Equity / Assets
10.18%
Rank 133 of 211
Non-interest income vs. expense
Unfavorable gap of $6.8M · efficiency ratio beats 41% 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 | 1.21% | 0.87% | 1.20% | 1.65% | Beats 51% | 103 / 211 | | |
| Return on Equity | 11.88% | 7.52% | 11.67% | 14.58% | Beats 52% | 101 / 211 | | |
| Net Interest Margin | 3.92% | 3.28% | 3.82% | 4.31% | Beats 53% | 100 / 211 | | |
| Efficiency Ratio | 66.55% | 53.01% | 64.18% | 73.65% | Beats 41% | 126 / 211 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.03% | 0.01% | 0.30% | 1.10% | Beats 71% | 63 / 208 | | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.06% | Beats 51% | 103 / 208 | | |
| Capital |
| Tier 1 Capital Ratio | 17.55% | 11.72% | 14.45% | 19.57% | Beats 70% | 63 / 211 | | |
| Total Risk-Based Capital Ratio | 18.81% | 11.94% | 14.78% | 20.30% | Beats 72% | 60 / 211 | | |
| Equity / Assets | 10.18% | 9.41% | 11.06% | 12.94% | Beats 37% | 133 / 211 | | |
| Liquidity & Funding |
| Loans / Deposits | 62.85% | 45.39% | 66.56% | 82.03% | 41st pctl | 122 / 208 | | |
| Loans / Assets | 55.93% | 39.13% | 56.90% | 70.46% | 47th pctl | 112 / 211 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |