First Texas Bank
Lampasas, TX · Cert 3293 · Peer group: banks under $1B in assets in TX (n=208-211) · First Texas Bcorp Inc.
State charter, non-member · FDIC · 1 affiliate bank · 2 branches (13 in holding)
Q2 2026
$259.7MAssets
$93.1MLoans
$232.4MDeposits
$25.4MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in TX (rank 44 of 208).
- Widest gap: equity / assets trails 70% of banks under $1B in assets in TX (rank 148 of 211).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.82%
Rank 29 of 211
Net Interest Margin
3.53%
Rank 133 of 211
Efficiency Ratio
42.26%
Rank 20 of 211
Equity / Assets
9.80%
Rank 148 of 211
Non-interest income vs. expense
Unfavorable gap of $3.2M · efficiency ratio beats 91% 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 | 1.82% | 0.87% | 1.20% | 1.65% | Beats 86% | 29 / 211 | |
| Return on Equity | 18.61% | 7.52% | 11.67% | 14.58% | Beats 92% | 17 / 211 | |
| Net Interest Margin | 3.53% | 3.28% | 3.82% | 4.31% | Beats 37% | 133 / 211 | |
| Efficiency Ratio | 42.26% | 53.01% | 64.18% | 73.65% | Beats 91% | 20 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.30% | 1.10% | Beats 100% | 44 / 208 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 100% | 43 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 23.25% | 11.72% | 14.45% | 19.57% | Beats 82% | 37 / 211 | |
| Total Risk-Based Capital Ratio | 23.63% | 11.94% | 14.78% | 20.30% | Beats 82% | 38 / 211 | |
| Equity / Assets | 9.80% | 9.41% | 11.06% | 12.94% | Beats 30% | 148 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 40.04% | 45.39% | 66.56% | 82.03% | 18th pctl | 171 / 208 | |
| Loans / Assets | 35.83% | 39.13% | 56.90% | 70.46% | 18th pctl | 172 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |