City National Bank of Sulphur Springs, The
Sulphur Springs, TX · Cert 5544 · Peer group: banks $1B-$10B in assets (n=322-328) · Sulphur Springs Bancshares Inc.
National charter · OCC · 17 branches
Q2 2026
$1.4BAssets
$961.6MLoans
$1.2BDeposits
$132.7MEquity
Executive Summary
- Strongest standing: return on equity outperforms 92% of banks $1B-$10B in assets (rank 27 of 328).
- Widest gap: equity / assets trails 62% of banks $1B-$10B in assets (rank 204 of 328).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.78%
Rank 40 of 328
Net Interest Margin
4.45%
Rank 29 of 328
Efficiency Ratio
54.29%
Rank 113 of 328
Equity / Assets
9.65%
Rank 204 of 328
Non-interest income vs. expense
Unfavorable gap of $27.3M · efficiency ratio beats 66% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.78% | 0.91% | 1.22% | 1.52% | Beats 88% | 40 / 328 | | |
| Return on Equity | 18.46% | 8.43% | 11.45% | 14.43% | Beats 92% | 27 / 328 | | |
| Net Interest Margin | 4.45% | 3.03% | 3.45% | 3.83% | Beats 91% | 29 / 328 | | |
| Efficiency Ratio | 54.29% | 51.61% | 59.56% | 67.53% | Beats 66% | 113 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.15% | 0.24% | 0.51% | 1.03% | Beats 82% | 59 / 322 | | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.03% | 0.10% | Beats 71% | 93 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 13.75% | 11.75% | 13.15% | 15.47% | Beats 59% | 134 / 328 | | |
| Total Risk-Based Capital Ratio | 15.00% | 12.63% | 14.15% | 16.46% | Beats 62% | 124 / 328 | | |
| Equity / Assets | 9.65% | 9.15% | 10.33% | 12.01% | Beats 38% | 204 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 78.12% | 76.63% | 87.92% | 95.36% | 27th pctl | 236 / 323 | | |
| Loans / Assets | 69.94% | 65.18% | 74.15% | 79.98% | 36th pctl | 210 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |