First National Bank of Bastrop, The
Bastrop, TX · Cert 3091 · Peer group: banks $1B-$10B in assets (n=322-328) · Bastrop Bancshares Inc.
National charter · OCC · 7 branches
Q2 2026
$1.2BAssets
$721.7MLoans
$1.1BDeposits
$107.3MEquity
Executive Summary
- Strongest standing: return on equity outperforms 82% of banks $1B-$10B in assets (rank 58 of 328).
- Widest gap: total risk-based capital ratio trails 84% of banks $1B-$10B in assets (rank 277 of 328).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.39%
Rank 109 of 328
Net Interest Margin
3.61%
Rank 127 of 328
Efficiency Ratio
62.17%
Rank 195 of 328
Equity / Assets
9.09%
Rank 249 of 328
Non-interest income vs. expense
Unfavorable gap of $23.1M · efficiency ratio beats 41% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.39% | 0.91% | 1.22% | 1.52% | Beats 67% | 109 / 328 | | |
| Return on Equity | 15.34% | 8.43% | 11.45% | 14.43% | Beats 82% | 58 / 328 | | |
| Net Interest Margin | 3.61% | 3.03% | 3.45% | 3.83% | Beats 61% | 127 / 328 | | |
| Efficiency Ratio | 62.17% | 51.61% | 59.56% | 67.53% | Beats 41% | 195 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.33% | 0.24% | 0.51% | 1.03% | Beats 66% | 109 / 322 | | |
| Net Charge-Offs / Loans | 0.03% | 0.01% | 0.03% | 0.10% | Beats 51% | 158 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 11.61% | 11.75% | 13.15% | 15.47% | Beats 24% | 250 / 328 | | |
| Total Risk-Based Capital Ratio | 11.61% | 12.63% | 14.15% | 16.46% | Beats 16% | 277 / 328 | | |
| Equity / Assets | 9.09% | 9.15% | 10.33% | 12.01% | Beats 24% | 249 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 67.57% | 76.63% | 87.92% | 95.36% | 13th pctl | 281 / 323 | | |
| Loans / Assets | 61.13% | 65.18% | 74.15% | 79.98% | 19th pctl | 265 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |