First National Bank of Quitaque, The
Quitaque, TX · Cert 3401 · Peer group: banks under $1B in assets in TX (n=208-211) · Quitaque National Corp.
National charter · OCC · 3 branches
Q2 2026
$167.1MAssets
$56.1MLoans
$147.4MDeposits
$17.8MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 82% of banks under $1B in assets in TX (rank 38 of 211).
- Widest gap: net charge-offs / loans trails 97% of banks under $1B in assets in TX (rank 203 of 208).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.35%
Rank 82 of 211
Net Interest Margin
3.29%
Rank 154 of 211
Efficiency Ratio
49.47%
Rank 38 of 211
Equity / Assets
10.64%
Rank 118 of 211
Non-interest income vs. expense
Unfavorable gap of $2.5M · efficiency ratio beats 82% 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 | 1.35% | 0.87% | 1.20% | 1.65% | Beats 61% | 82 / 211 | | |
| Return on Equity | 12.71% | 7.52% | 11.67% | 14.58% | Beats 58% | 88 / 211 | | |
| Net Interest Margin | 3.29% | 3.28% | 3.82% | 4.31% | Beats 27% | 154 / 211 | | |
| Efficiency Ratio | 49.47% | 53.01% | 64.18% | 73.65% | Beats 82% | 38 / 211 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.71% | 0.01% | 0.30% | 1.10% | Beats 19% | 169 / 208 | | |
| Net Charge-Offs / Loans | 0.38% | 0.00% | 0.01% | 0.06% | Beats 3% | 203 / 208 | | |
| Capital |
| Tier 1 Capital Ratio | 10.59% | 11.72% | 14.45% | 19.57% | Beats 14% | 182 / 211 | | |
| Total Risk-Based Capital Ratio | 10.59% | 11.94% | 14.78% | 20.30% | Beats 13% | 184 / 211 | | |
| Equity / Assets | 10.64% | 9.41% | 11.06% | 12.94% | Beats 44% | 118 / 211 | | |
| Liquidity & Funding |
| Loans / Deposits | 38.06% | 45.39% | 66.56% | 82.03% | 14th pctl | 178 / 208 | | |
| Loans / Assets | 33.58% | 39.13% | 56.90% | 70.46% | 16th pctl | 177 / 211 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |