State National Bank of Big Spring, The
Big Spring, TX · Cert 3103 · Peer group: banks under $1B in assets in TX (n=208-211) · SNB Financial Inc.
National charter · OCC · 3 branches
Q2 2026
$640.0MAssets
$98.0MLoans
$574.9MDeposits
$63.0MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 97% of banks under $1B in assets in TX (rank 8 of 211).
- Widest gap: net interest margin trails 90% of banks under $1B in assets in TX (rank 190 of 211).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.37%
Rank 76 of 211
Net Interest Margin
2.75%
Rank 190 of 211
Efficiency Ratio
34.96%
Rank 8 of 211
Equity / Assets
9.84%
Rank 146 of 211
Non-interest income vs. expense
Unfavorable gap of $5.4M · efficiency ratio beats 97% 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 | 1.37% | 0.87% | 1.20% | 1.65% | Beats 64% | 76 / 211 | | |
| Return on Equity | 13.97% | 7.52% | 11.67% | 14.58% | Beats 70% | 63 / 211 | | |
| Net Interest Margin | 2.75% | 3.28% | 3.82% | 4.31% | Beats 10% | 190 / 211 | | |
| Efficiency Ratio | 34.96% | 53.01% | 64.18% | 73.65% | Beats 97% | 8 / 211 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.63% | 0.01% | 0.30% | 1.10% | Beats 20% | 167 / 208 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 74% | 57 / 208 | | |
| Capital |
| Tier 1 Capital Ratio | 11.19% | 11.72% | 14.45% | 19.57% | Beats 20% | 168 / 211 | | |
| Total Risk-Based Capital Ratio | 11.19% | 11.94% | 14.78% | 20.30% | Beats 19% | 170 / 211 | | |
| Equity / Assets | 9.84% | 9.41% | 11.06% | 12.94% | Beats 31% | 146 / 211 | | |
| Liquidity & Funding |
| Loans / Deposits | 17.05% | 45.39% | 66.56% | 82.03% | 2nd pctl | 203 / 208 | | |
| Loans / Assets | 15.31% | 39.13% | 56.90% | 70.46% | 5th pctl | 201 / 211 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |