First National Bank of Mertzon, The
Mertzon, TX · Cert 3339 · Peer group: banks under $1B in assets in TX (n=208-211)
National charter · OCC · 3 branches
Q2 2026
$500.3MAssets
$91.1MLoans
$420.2MDeposits
$78.9MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in TX (rank 44 of 208).
- Widest gap: net interest margin trails 79% of banks under $1B in assets in TX (rank 166 of 211).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.71%
Rank 46 of 211
Net Interest Margin
3.13%
Rank 166 of 211
Efficiency Ratio
31.20%
Rank 6 of 211
Equity / Assets
15.77%
Rank 27 of 211
Non-interest income vs. expense
Unfavorable gap of $4.6M · efficiency ratio beats 98% 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% | 46 / 211 | |
| Return on Equity | 10.87% | 7.52% | 11.67% | 14.58% | Beats 45% | 116 / 211 | |
| Net Interest Margin | 3.13% | 3.28% | 3.82% | 4.31% | Beats 21% | 166 / 211 | |
| Efficiency Ratio | 31.20% | 53.01% | 64.18% | 73.65% | Beats 98% | 6 / 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 63% | 78 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 76.85% | 11.72% | 14.45% | 19.57% | Beats 98% | 5 / 211 | |
| Total Risk-Based Capital Ratio | 78.10% | 11.94% | 14.78% | 20.30% | Beats 98% | 5 / 211 | |
| Equity / Assets | 15.77% | 9.41% | 11.06% | 12.94% | Beats 87% | 27 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 21.68% | 45.39% | 66.56% | 82.03% | 4th pctl | 199 / 208 | |
| Loans / Assets | 18.21% | 39.13% | 56.90% | 70.46% | 6th pctl | 199 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |