First Texas National Bank
Floydada, TX · Cert 3197 · Peer group: banks under $1B in assets in TX (n=208-211) · Floyd County Bancshares Inc.
National charter · OCC · 2 branches
Q2 2026
$216.9MAssets
$189.7MLoans
$195.3MDeposits
$20.7MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in TX (rank 44 of 208).
- Widest gap: total risk-based capital ratio trails 95% of banks under $1B in assets in TX (rank 200 of 211).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
2.15%
Rank 12 of 211
Net Interest Margin
4.61%
Rank 28 of 211
Efficiency Ratio
46.34%
Rank 29 of 211
Equity / Assets
9.53%
Rank 156 of 211
Non-interest income vs. expense
Unfavorable gap of $3.8M · efficiency ratio beats 87% 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 | 2.15% | 0.87% | 1.20% | 1.65% | Beats 94% | 12 / 211 | | |
| Return on Equity | 22.55% | 7.52% | 11.67% | 14.58% | Beats 97% | 6 / 211 | | |
| Net Interest Margin | 4.61% | 3.28% | 3.82% | 4.31% | Beats 87% | 28 / 211 | | |
| Efficiency Ratio | 46.34% | 53.01% | 64.18% | 73.65% | Beats 87% | 29 / 211 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.30% | 1.10% | Beats 100% | 44 / 208 | | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.06% | Beats 56% | 93 / 208 | | |
| Capital |
| Tier 1 Capital Ratio | 9.69% | 11.72% | 14.45% | 19.57% | Beats 6% | 199 / 211 | | |
| Total Risk-Based Capital Ratio | 9.69% | 11.94% | 14.78% | 20.30% | Beats 5% | 200 / 211 | | |
| Equity / Assets | 9.53% | 9.41% | 11.06% | 12.94% | Beats 26% | 156 / 211 | | |
| Liquidity & Funding |
| Loans / Deposits | 97.15% | 45.39% | 66.56% | 82.03% | 97th pctl | 7 / 208 | | |
| Loans / Assets | 87.45% | 39.13% | 56.90% | 70.46% | 100th pctl | 1 / 211 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |