First National Bank of Sterling City, The
Sterling City, TX · Cert 5538 · Peer group: banks under $1B in assets in TX (n=208-211) · Sterling City Bancshares Inc.
National charter · OCC · 3 branches
Q2 2026
$240.1MAssets
$45.4MLoans
$218.4MDeposits
$21.6MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in TX (rank 43 of 208).
- Widest gap: net interest margin trails 89% of banks under $1B in assets in TX (rank 187 of 211).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.36%
Rank 80 of 211
Net Interest Margin
2.79%
Rank 187 of 211
Efficiency Ratio
44.08%
Rank 26 of 211
Equity / Assets
8.98%
Rank 169 of 211
Non-interest income vs. expense
Unfavorable gap of $2.9M · efficiency ratio beats 88% 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 | 1.36% | 0.87% | 1.20% | 1.65% | Beats 62% | 80 / 211 | |
| Return on Equity | 15.10% | 7.52% | 11.67% | 14.58% | Beats 78% | 46 / 211 | |
| Net Interest Margin | 2.79% | 3.28% | 3.82% | 4.31% | Beats 11% | 187 / 211 | |
| Efficiency Ratio | 44.08% | 53.01% | 64.18% | 73.65% | Beats 88% | 26 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.30% | 1.10% | Beats 79% | 45 / 208 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 100% | 43 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 39.60% | 11.72% | 14.45% | 19.57% | Beats 94% | 12 / 211 | |
| Total Risk-Based Capital Ratio | 40.26% | 11.94% | 14.78% | 20.30% | Beats 93% | 14 / 211 | |
| Equity / Assets | 8.98% | 9.41% | 11.06% | 12.94% | Beats 20% | 169 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 20.79% | 45.39% | 66.56% | 82.03% | 4th pctl | 200 / 208 | |
| Loans / Assets | 18.91% | 39.13% | 56.90% | 70.46% | 6th pctl | 198 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |