First National Bank of Hughes Springs, The
Hughes Springs, TX · Cert 3268 · Peer group: banks under $1B in assets in TX (n=208-211) · Chalybeate Springs Corp.
National charter · OCC · 17 branches
Q2 2026
$319.5MAssets
$208.4MLoans
$283.1MDeposits
$35.7MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 98% of banks under $1B in assets in TX (rank 5 of 211).
- Widest gap: net charge-offs / loans trails 88% of banks under $1B in assets in TX (rank 185 of 208).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.71%
Rank 47 of 211
Net Interest Margin
5.80%
Rank 5 of 211
Efficiency Ratio
64.28%
Rank 107 of 211
Equity / Assets
11.17%
Rank 103 of 211
Non-interest income vs. expense
Unfavorable gap of $11.8M · efficiency ratio beats 50% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.71% | 0.87% | 1.20% | 1.65% | Beats 78% | 47 / 211 | |
| Return on Equity | 15.34% | 7.52% | 11.67% | 14.58% | Beats 80% | 43 / 211 | |
| Net Interest Margin | 5.80% | 3.28% | 3.82% | 4.31% | Beats 98% | 5 / 211 | |
| Efficiency Ratio | 64.28% | 53.01% | 64.18% | 73.65% | Beats 50% | 107 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.23% | 0.01% | 0.30% | 1.10% | Beats 12% | 185 / 208 | |
| Net Charge-Offs / Loans | 0.16% | 0.00% | 0.01% | 0.06% | Beats 12% | 185 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 17.08% | 11.72% | 14.45% | 19.57% | Beats 65% | 73 / 211 | |
| Total Risk-Based Capital Ratio | 18.33% | 11.94% | 14.78% | 20.30% | Beats 68% | 67 / 211 | |
| Equity / Assets | 11.17% | 9.41% | 11.06% | 12.94% | Beats 51% | 103 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 73.61% | 45.39% | 66.56% | 82.03% | 61st pctl | 82 / 208 | |
| Loans / Assets | 65.23% | 39.13% | 56.90% | 70.46% | 64th pctl | 75 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |