First National Bank
Rotan, TX · Cert 34455 · Peer group: banks under $1B in assets in TX (n=208-211) · Rotan Bancshares Inc.
National charter · OCC · 1 branch
Q2 2026
$96.5MAssets
$40.5MLoans
$90.4MDeposits
$5.8MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 81% of banks under $1B in assets in TX (rank 40 of 211).
- Widest gap: equity / assets trails 98% of banks under $1B in assets in TX (rank 207 of 211).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.56%
Rank 178 of 211
Net Interest Margin
2.91%
Rank 183 of 211
Efficiency Ratio
79.50%
Rank 179 of 211
Equity / Assets
6.04%
Rank 207 of 211
Non-interest income vs. expense
Unfavorable gap of $2.3M · efficiency ratio beats 16% 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 | 0.56% | 0.87% | 1.20% | 1.65% | Beats 16% | 178 / 211 | | |
| Return on Equity | 9.23% | 7.52% | 11.67% | 14.58% | Beats 37% | 132 / 211 | | |
| Net Interest Margin | 2.91% | 3.28% | 3.82% | 4.31% | Beats 13% | 183 / 211 | | |
| Efficiency Ratio | 79.50% | 53.01% | 64.18% | 73.65% | Beats 16% | 179 / 211 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.09% | 0.01% | 0.30% | 1.10% | Beats 4% | 200 / 208 | | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.06% | Beats 57% | 90 / 208 | | |
| Capital |
| Tier 1 Capital Ratio | 21.53% | 11.72% | 14.45% | 19.57% | Beats 80% | 42 / 211 | | |
| Total Risk-Based Capital Ratio | 22.79% | 11.94% | 14.78% | 20.30% | Beats 81% | 40 / 211 | | |
| Equity / Assets | 6.04% | 9.41% | 11.06% | 12.94% | Beats 2% | 207 / 211 | | |
| Liquidity & Funding |
| Loans / Deposits | 44.81% | 45.39% | 66.56% | 82.03% | 24th pctl | 158 / 208 | | |
| Loans / Assets | 41.98% | 39.13% | 56.90% | 70.46% | 27th pctl | 153 / 211 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |