Primebank of Texas
Austin, TX · Cert 57495 · Peer group: banks under $1B in assets in TX (n=208-211) · Bat Investments Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$279.7MAssets
$186.2MLoans
$244.2MDeposits
$34.5MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in TX (rank 44 of 208).
- Widest gap: total risk-based capital ratio trails 76% of banks under $1B in assets in TX (rank 161 of 211).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.73%
Rank 43 of 211
Net Interest Margin
4.37%
Rank 46 of 211
Efficiency Ratio
49.00%
Rank 35 of 211
Equity / Assets
12.34%
Rank 68 of 211
Non-interest income vs. expense
Unfavorable gap of $5.4M · efficiency ratio beats 84% 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 | 1.73% | 0.87% | 1.20% | 1.65% | Beats 80% | 43 / 211 | |
| Return on Equity | 14.03% | 7.52% | 11.67% | 14.58% | Beats 72% | 60 / 211 | |
| Net Interest Margin | 4.37% | 3.28% | 3.82% | 4.31% | Beats 78% | 46 / 211 | |
| Efficiency Ratio | 49.00% | 53.01% | 64.18% | 73.65% | Beats 84% | 35 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.30% | 1.10% | Beats 100% | 44 / 208 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 71% | 63 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 11.66% | 11.72% | 14.45% | 19.57% | Beats 24% | 160 / 211 | |
| Total Risk-Based Capital Ratio | 11.66% | 11.94% | 14.78% | 20.30% | Beats 24% | 161 / 211 | |
| Equity / Assets | 12.34% | 9.41% | 11.06% | 12.94% | Beats 68% | 68 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 76.22% | 45.39% | 66.56% | 82.03% | 66th pctl | 71 / 208 | |
| Loans / Assets | 66.55% | 39.13% | 56.90% | 70.46% | 68th pctl | 68 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |