First National Bank in Cooper, The
Cooper, TX · Cert 3149 · Peer group: banks under $1B in assets in TX (n=208-211) · Cooper Lake Financial Corp.
National charter · OCC · 1 branch
Q2 2026
$57.3MAssets
$30.3MLoans
$49.7MDeposits
$7.4MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in TX (rank 43 of 208).
- Widest gap: net interest margin trails 87% of banks under $1B in assets in TX (rank 184 of 211).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.89%
Rank 158 of 211
Net Interest Margin
2.88%
Rank 184 of 211
Efficiency Ratio
66.49%
Rank 125 of 211
Equity / Assets
12.88%
Rank 56 of 211
Non-interest income vs. expense
Unfavorable gap of $1.0M · 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 | 0.89% | 0.87% | 1.20% | 1.65% | Beats 25% | 158 / 211 | | |
| Return on Equity | 6.93% | 7.52% | 11.67% | 14.58% | Beats 22% | 164 / 211 | | |
| Net Interest Margin | 2.88% | 3.28% | 3.82% | 4.31% | Beats 13% | 184 / 211 | | |
| Efficiency Ratio | 66.49% | 53.01% | 64.18% | 73.65% | Beats 41% | 125 / 211 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.44% | 0.01% | 0.30% | 1.10% | Beats 22% | 164 / 208 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 100% | 43 / 208 | | |
| Capital |
| Tier 1 Capital Ratio | 13.12% | 11.72% | 14.45% | 19.57% | Beats 42% | 122 / 211 | | |
| Total Risk-Based Capital Ratio | 13.12% | 11.94% | 14.78% | 20.30% | Beats 41% | 125 / 211 | | |
| Equity / Assets | 12.88% | 9.41% | 11.06% | 12.94% | Beats 73% | 56 / 211 | | |
| Liquidity & Funding |
| Loans / Deposits | 61.00% | 45.39% | 66.56% | 82.03% | 38th pctl | 128 / 208 | | |
| Loans / Assets | 52.87% | 39.13% | 56.90% | 70.46% | 38th pctl | 130 / 211 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |