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Profitability · Texas

Most Efficient US Banks (Lowest Efficiency Ratio) in Texas

Ranked among banks headquartered in Texas. Re-ranked 1-100 within the state from the same national ranking population.

#1 US Banks (Lowest Efficiency Ratio): TITAN BANK, N.A. — 12.40% . The efficiency ratio measures non-interest operating expense against net revenue — a lower ratio means the bank converts more of each revenue dollar into pre-tax income.

Ranked: 334 banks with reported data Showing: Top 100 Source: FFIEC call reports (Q1 2026) What is this metric? See the Most Efficient US … glossary entry Go deeper: What Is the Bank Efficiency Ratio? Formula, Benchmarks, and What Moves It
# Bank HQ Most Efficient US … Total Assets
1 Titan Bank, N.A. Mineral Wells , TX 12.40% $890.7M
2 Charles Schwab Premier Bank, Ssb Westlake , TX 14.65% $27.44B
3 Wells Fargo Bank South Central, N.A. Houston , TX 15.39% $2.70B
4 Charles Schwab Bank, Ssb Westlake , TX 17.98% $242.91B
5 State Bank of Texas Irving , TX 20.65% $2.76B
6 Sundown State Bank Sundown , TX 24.31% $319.7M
7 Charles Schwab Trust Bank Westlake , TX 27.24% $10.42B
8 Falls City National Bank, the Falls City , TX 28.05% $598.1M
9 Monet Bank Plano , TX 28.57% $3.17B
10 Security State Bank Farwell , TX 30.09% $336.0M
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11 First National Bank of Stanton, the Stanton , TX 30.38% $414.1M
12 Lamesa National Bank, the Lamesa , TX 30.87% $441.3M
13 First National Bank of Mertzon, the Mertzon , TX 33.51% $504.9M
14 American Bank, N.A. Dallas , TX 34.52% $722.7M
15 Commerce Bank Laredo , TX 34.68% $738.5M
16 Muenster State Bank Muenster , TX 35.37% $221.1M
17 Hill Bank & Trust Co. Weimar , TX 35.44% $153.6M
18 State National Bank of Big Spring, the Big Spring , TX 35.44% $615.6M
19 American First National Bank Houston , TX 35.51% $2.86B
20 Buckholts State Bank, the Buckholts , TX 35.96% $138.2M
21 International Bank of Commerce Laredo , TX 36.28% $9.89B
22 International Bank of Commerce Brownsville , TX 36.55% $4.52B
23 Grandview Bank Grandview , TX 37.80% $703.3M
24 Inwood National Bank Dallas , TX 38.44% $4.44B
25 Peoples State Bank Rocksprings , TX 39.20% $142.6M
26 Bank of Texas Midland , TX 39.25% $543.1M
27 First State Bank Stratford , TX 39.35% $386.0M
28 Schertz Bank & Trust Schertz , TX 39.43% $761.9M
29 Citizens 1st Bank Tyler , TX 39.55% $828.4M
30 Charter Bank Corpus Christi , TX 39.62% $292.7M
31 Texas Community Bank Laredo , TX 39.83% $2.24B
32 Newfirst National Bank El Campo , TX 39.85% $956.0M
33 Community Bank Longview , TX 40.70% $301.8M
34 First State Bank Paint Rock , TX 41.74% $184.6M
35 Citizens State Bank Miles , TX 41.76% $280.5M
36 First Texas Bank Georgetown , TX 42.09% $1.33B
37 Golden Bank, N.A. Houston , TX 42.51% $2.25B
38 First National Bank of Burleson Burleson , TX 42.76% $248.8M
39 First State Bank of Uvalde Uvalde , TX 42.81% $1.76B
40 First Texas Bank Lampasas , TX 43.36% $248.9M
41 Crossroads Bank Yoakum , TX 43.41% $381.2M
42 First National Bank of Sterling City, the Sterling City , TX 43.43% $259.1M
43 First Financial Bank Abilene , TX 43.57% $15.32B
44 First National Bank of Central Texas Waco , TX 43.74% $1.70B
45 Lone Oak Bank, N.A. Eldorado , TX 44.10% $119.9M
46 Pegasus Bank Dallas , TX 45.31% $1.50B
47 Citizens Bank Amarillo , TX 45.50% $304.0M
48 Central National Bank Waco , TX 45.72% $1.45B
49 Citizens State Bank Sealy , TX 45.81% $507.5M
50 Cowboy Bank of Texas, the Maypearl , TX 46.31% $109.3M
51 West Texas National Bank Midland , TX 46.42% $2.78B
52 Maverick Bank Fort Davis , TX 46.55% $780.3M
53 First State Bank of Odem Odem , TX 46.56% $215.1M
54 First Texas National Bank Floydada , TX 47.17% $198.0M
55 Security State Bank Pearsall , TX 47.88% $1.13B
56 Weststar Bank El Paso , TX 48.11% $3.17B
57 Citizens National Bank Cameron , TX 48.14% $668.0M
58 Citizens National Bank of Texas Waxahachie , TX 48.17% $2.11B
59 Liberty National Bank in Paris, the Paris , TX 48.47% $450.5M
60 First State Bank of Bedias Bedias , TX 48.56% $221.7M
61 Community National Bank Midland , TX 48.59% $2.58B
62 Amarillo National Bank Amarillo , TX 48.64% $10.23B
63 Nexbank Dallas , TX 48.78% $13.44B
64 Primebank of Texas Austin , TX 48.82% $275.4M
65 Waggoner National Bank of Vernon, the Vernon , TX 48.89% $357.2M
66 Pinnacle Bank Fort Worth , TX 49.76% $2.71B
67 Fayette Savings Bank, Ssb La Grange , TX 49.86% $533.1M
68 Austin County State Bank Bellville , TX 49.94% $510.7M
69 Southside Bank Tyler , TX 50.16% $8.80B
70 Stockmens National Bank in Cotulla Cotulla , TX 50.17% $121.4M
71 Round Top State Bank Round Top , TX 50.50% $975.2M
72 Peoples Bank Lubbock , TX 50.70% $1.16B
73 Frontier Bank of Texas Elgin , TX 50.71% $1.05B
74 Peoples State Bank of Hallettsville Hallettsville , TX 50.73% $407.5M
75 First United Bank Dimmitt , TX 50.75% $2.45B
76 Trinity Bank, N.A. Fort Worth , TX 50.93% $563.3M
77 Perryton National Bank, the Perryton , TX 51.08% $204.8M
78 First Capital Bank Quanah , TX 51.09% $107.2M
79 Austin Bank, Texas N.A. Jacksonville , TX 51.24% $3.27B
80 First National Bank of Anson, the Anson , TX 51.24% $112.6M
81 Commercial Bank, the Mason , TX 51.37% $114.2M
82 Texasbank Fort Worth , TX 51.65% $2.47B
83 Horizon Bank, Ssb Austin , TX 51.85% $2.44B
84 Castroville State Bank Castroville , TX 52.04% $291.0M
85 First National Bank of Quitaque, the Quitaque , TX 52.08% $167.9M
86 Boc Bank Mclean , TX 52.34% $214.7M
87 First National Bank of Giddings Giddings , TX 52.35% $356.7M
88 First State Bank Clute , TX 52.35% $466.5M
89 Columbus State Bank Columbus , TX 52.44% $337.9M
90 City National Bank of Sulphur Springs, the Sulphur Springs , TX 52.52% $1.37B
91 Clear Fork Bank N.A. Albany , TX 52.72% $1.02B
92 First National Bank of Evant, the Evant , TX 52.88% $193.0M
93 International Bank of Commerce Zapata , TX 53.11% $527.5M
94 Citizens State Bank Corrigan , TX 53.12% $189.9M
95 Commercial National Bank of Texarkana Texarkana , TX 53.19% $330.3M
96 Commercial National Bank of Brady, the Brady , TX 53.27% $397.2M
97 Arrowhead Bank Llano , TX 53.34% $296.1M
98 Keystone Bank, SSB Austin , TX 53.37% $1.02B
99 First State Bank of Ben Wheeler, Texas Ben Wheeler , TX 53.66% $187.1M
100 First National Bank of Hereford, the Hereford , TX 53.69% $362.7M

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All data sourced from the most recent FFIEC call report filings, refreshed each quarter as new filings are processed. This leaderboard excludes banks with total assets under $100,000K to filter out anomalous micro-bank ratios. See /data-updates/ for the current data freshness window.

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