First National Bank of Huntsville
Huntsville, TX · Cert 3269 · Peer group: banks under $1B in assets in TX (n=208-211) · First Natl Bancshares Huntsville
National charter · OCC · 5 branches
Q2 2026
$584.9MAssets
$356.2MLoans
$501.6MDeposits
$80.3MEquity
Executive Summary
- Strongest standing: return on assets outperforms 81% of banks under $1B in assets in TX (rank 41 of 211).
- Widest gap: total risk-based capital ratio trails 59% of banks under $1B in assets in TX (rank 124 of 211).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.75%
Rank 41 of 211
Net Interest Margin
4.23%
Rank 64 of 211
Efficiency Ratio
54.95%
Rank 62 of 211
Equity / Assets
13.74%
Rank 40 of 211
Non-interest income vs. expense
Unfavorable gap of $11.4M · efficiency ratio beats 71% 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 | 1.75% | 0.87% | 1.20% | 1.65% | Beats 81% | 41 / 211 | | |
| Return on Equity | 12.71% | 7.52% | 11.67% | 14.58% | Beats 59% | 87 / 211 | | |
| Net Interest Margin | 4.23% | 3.28% | 3.82% | 4.31% | Beats 70% | 64 / 211 | | |
| Efficiency Ratio | 54.95% | 53.01% | 64.18% | 73.65% | Beats 71% | 62 / 211 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.05% | 0.01% | 0.30% | 1.10% | Beats 66% | 72 / 208 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 71% | 61 / 208 | | |
| Capital |
| Tier 1 Capital Ratio | 13.29% | 11.72% | 14.45% | 19.57% | Beats 44% | 119 / 211 | | |
| Total Risk-Based Capital Ratio | 13.29% | 11.94% | 14.78% | 20.30% | Beats 41% | 124 / 211 | | |
| Equity / Assets | 13.74% | 9.41% | 11.06% | 12.94% | Beats 81% | 40 / 211 | | |
| Liquidity & Funding |
| Loans / Deposits | 71.01% | 45.39% | 66.56% | 82.03% | 57th pctl | 89 / 208 | | |
| Loans / Assets | 60.91% | 39.13% | 56.90% | 70.46% | 57th pctl | 90 / 211 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |