0.30%
−81.1%y/y
Peer standing5th percentile
FDIC
NETINC + ROATF
Texas Financial Bank
Eden, TexasFDIC Cert #26738
STATEEstablished 19865 branches
Holding company: PATRONS HOLDINGS INCRegulator: FDIC
FDIC
CERT + OFFDOMProfitability, margin & efficiency
Performance
Returns, spread economics, operating efficiency, and growth viewed against this bank's official FFIEC UBPR peers.
As of Q1 2026
Returns & margin
Annualized returns and the economics of earning assets and paid funding.
2.15%
−79.7%y/y
Peer standing5th percentile
FDIC
NETINC + ROE0.40%
−80.1%y/y
Peer standing6th percentile
FDIC
PTAXNETINC + ASSET4.85%
−11.7%y/y
Peer standing88th percentile
FDIC
NIM + NIMY6.17%
+3.4%y/y
Peer standing76th percentile
FDIC
INTINCY1.89%
+113.6%y/y
Peer standing71st percentile
FDIC
EINTEXP + DEPIDOMEfficiency & growth
Operating productivity and year-over-year balance-sheet momentum.
76.14%
+36.2%y/y
Peer standing19th percentile
FDIC
NONIX + NIM + NONII + EEFFR4.40%
+21.9%y/y
Peer standing4th percentile
FDIC
NONIX + ASSET19.09%
+20.0%y/y
Percentile by value92nd percentileby value
FDIC
NONII + NIM+63.25%
+178.3%y/y
Percentile by value99th percentileby value
FDIC
ASSET+66.85%
+358.2%y/y
Percentile by value100th percentileby value
FDIC
DEP+128.83%
+51.4%y/y
Percentile by value100th percentileby value
FDIC
LNLSNETHow this bank compares
Switch cohorts or expand any row to inspect the full distribution.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA0.30%5th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.51%Median 1.26%90th 2.16%Observations 1,099
ROE
FDIC
NETINC + ROE2.15%5th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.92%Median 11.93%90th 20.75%Observations 1,099
NIM
FDIC
NIM + NIMY4.85%88th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.01%Median 3.95%90th 4.94%Observations 1,099
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR76.14%19th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 46.29%Median 62.76%90th 82.51%Observations 1,099
Deposits YoY
FDIC
DEP+66.85%99th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.81%Median +3.80%90th +14.76%Observations 1,099
Loans YoY
FDIC
LNLSNET+128.83%99th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.93%Median +5.37%90th +18.00%Observations 1,097
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.00%16th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.38%90th 2.47%Observations 1,097
Leverage
FDIC
RBC1AAJ10.95%49th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.85%Median 11.00%90th 15.77%Observations 1,099
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.89%71st percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.42%Median 2.24%90th 3.26%Observations 1,099
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 19%Median 99%90th 243%Observations 514
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA0.30%6th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.55%Median 1.40%90th 2.32%Observations 329
ROE
FDIC
NETINC + ROE2.15%6th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.84%Median 13.19%90th 22.30%Observations 329
NIM
FDIC
NIM + NIMY4.85%85th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.88%Median 4.08%90th 5.04%Observations 329
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR76.14%16th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 41.82%Median 60.91%90th 83.34%Observations 329
Deposits YoY
FDIC
DEP+66.85%98th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.62%Median +5.17%90th +21.38%Observations 329
Loans YoY
FDIC
LNLSNET+128.83%99th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −5.05%Median +4.67%90th +22.28%Observations 328
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.00%17th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.32%90th 2.27%Observations 328
Leverage
FDIC
RBC1AAJ10.95%43rd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.41%Median 11.35%90th 15.75%Observations 329
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.89%78th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.46%Median 2.39%90th 3.45%Observations 329
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 18%Median 176%90th 306%Observations 186
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.