First National Bank of Shiner, The
Shiner, TX · Cert 5529 · Peer group: banks under $1B in assets in TX (n=221-224)
FDIC · 5 branches
Q2 2025
$753.2MAssets
$172.6MLoans
$805.2MDeposits
$-59406KEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 33% of banks under $1B in assets in TX (rank 150 of 224).
- Widest gap: equity / assets trails 100% of banks under $1B in assets in TX (rank 223 of 224).
- Overall: at or above the peer median on 0 of 8 directional measures.
Return on Assets
0.15%
Rank 210 of 224
Net Interest Margin
1.08%
Rank 222 of 224
Efficiency Ratio
84.47%
Rank 198 of 224
Equity / Assets
-7.89%
Rank 223 of 224
Non-interest income vs. expense
Unfavorable gap of $8.1M · efficiency ratio beats 12% 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 | 0.15% | 0.75% | 1.14% | 1.55% | Beats 6% | 210 / 224 | |
| Return on Equity | n/a | Not reported for this institution |
| Net Interest Margin | 1.08% | 3.18% | 3.72% | 4.29% | Beats 1% | 222 / 224 | |
| Efficiency Ratio | 84.47% | 54.88% | 63.36% | 73.91% | Beats 12% | 198 / 224 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.47% | 0.03% | 0.27% | 0.93% | Beats 17% | 185 / 221 | |
| Net Charge-Offs / Loans | 0.09% | 0.00% | 0.01% | 0.06% | Beats 20% | 177 / 221 | |
| Capital |
| Tier 1 Capital Ratio | 12.50% | 11.76% | 14.62% | 18.98% | Beats 33% | 150 / 224 | |
| Total Risk-Based Capital Ratio | 12.50% | 11.87% | 15.07% | 19.86% | Beats 31% | 155 / 224 | |
| Equity / Assets | -7.89% | 8.61% | 10.54% | 12.31% | Beats 0% | 223 / 224 | |
| Liquidity & Funding |
| Loans / Deposits | 21.44% | 48.74% | 69.29% | 83.16% | 5th pctl | 210 / 221 | |
| Loans / Assets | 22.92% | 42.63% | 60.45% | 70.41% | 6th pctl | 208 / 221 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |