First National Bank of Tom Bean, The
Tom Bean, TX · Cert 5557 · Peer group: banks under $1B in assets in TX (n=208-211) · Tom Bean Bank Holding Co.
National charter · OCC · 4 branches
Q2 2026
$155.6MAssets
$128.7MLoans
$135.7MDeposits
$18.7MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 94% of banks under $1B in assets in TX (rank 12 of 211).
- Widest gap: net charge-offs / loans trails 91% of banks under $1B in assets in TX (rank 191 of 208).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
1.02%
Rank 132 of 211
Net Interest Margin
5.09%
Rank 12 of 211
Efficiency Ratio
65.07%
Rank 118 of 211
Equity / Assets
12.02%
Rank 79 of 211
Non-interest income vs. expense
Unfavorable gap of $4.9M · efficiency ratio beats 45% 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 | 1.02% | 0.87% | 1.20% | 1.65% | Beats 37% | 132 / 211 | |
| Return on Equity | 8.51% | 7.52% | 11.67% | 14.58% | Beats 33% | 142 / 211 | |
| Net Interest Margin | 5.09% | 3.28% | 3.82% | 4.31% | Beats 94% | 12 / 211 | |
| Efficiency Ratio | 65.07% | 53.01% | 64.18% | 73.65% | Beats 45% | 118 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.23% | 0.01% | 0.30% | 1.10% | Beats 25% | 158 / 208 | |
| Net Charge-Offs / Loans | 0.19% | 0.00% | 0.01% | 0.06% | Beats 9% | 191 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 12.15% | 11.72% | 14.45% | 19.57% | Beats 30% | 147 / 211 | |
| Total Risk-Based Capital Ratio | 12.15% | 11.94% | 14.78% | 20.30% | Beats 30% | 148 / 211 | |
| Equity / Assets | 12.02% | 9.41% | 11.06% | 12.94% | Beats 63% | 79 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 94.85% | 45.39% | 66.56% | 82.03% | 94th pctl | 12 / 208 | |
| Loans / Assets | 82.74% | 39.13% | 56.90% | 70.46% | 97th pctl | 6 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |