Big Bend Banks, N.A. Dba Marfa National Bank, The
Marfa, TX · Cert 3320 · Peer group: banks under $1B in assets in TX (n=208-211) · Big Bend Bancshares Corp.
National charter · OCC · 2 branches
Q2 2026
$165.4MAssets
$21.7MLoans
$140.9MDeposits
$24.3MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in TX (rank 44 of 208).
- Widest gap: net charge-offs / loans trails 94% of banks under $1B in assets in TX (rank 196 of 208).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.28%
Rank 91 of 211
Net Interest Margin
3.53%
Rank 135 of 211
Efficiency Ratio
64.45%
Rank 108 of 211
Equity / Assets
14.68%
Rank 31 of 211
Non-interest income vs. expense
Unfavorable gap of $3.2M · efficiency ratio beats 49% 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 | 1.28% | 0.87% | 1.20% | 1.65% | Beats 57% | 91 / 211 | | |
| Return on Equity | 8.75% | 7.52% | 11.67% | 14.58% | Beats 36% | 136 / 211 | | |
| Net Interest Margin | 3.53% | 3.28% | 3.82% | 4.31% | Beats 36% | 135 / 211 | | |
| Efficiency Ratio | 64.45% | 53.01% | 64.18% | 73.65% | Beats 49% | 108 / 211 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.30% | 1.10% | Beats 100% | 44 / 208 | | |
| Net Charge-Offs / Loans | 0.24% | 0.00% | 0.01% | 0.06% | Beats 6% | 196 / 208 | | |
| Capital |
| Tier 1 Capital Ratio | 16.23% | 11.72% | 14.45% | 19.57% | Beats 61% | 82 / 211 | | |
| Total Risk-Based Capital Ratio | 16.23% | 11.94% | 14.78% | 20.30% | Beats 58% | 89 / 211 | | |
| Equity / Assets | 14.68% | 9.41% | 11.06% | 12.94% | Beats 85% | 31 / 211 | | |
| Liquidity & Funding |
| Loans / Deposits | 15.39% | 45.39% | 66.56% | 82.03% | 1st pctl | 205 / 208 | | |
| Loans / Assets | 13.10% | 39.13% | 56.90% | 70.46% | 3rd pctl | 204 / 211 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |