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The First National Bank of Mertzon

$100M-$1B Specialty: Agricultural TX FDIC cert 3339

Mertzon, TX

3 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
  • Deposits -10.1% year over year ($420.2M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.72%.
  • Efficiency ratio 31.20% vs a 64.48% peer average.
  • Loan-to-deposit ratio 21.29% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX
View $100M-$1B leaderboard (TX) →

The First National Bank of Mertzon has 4 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 42.5% in tier
  • + Efficiency Ratio 33.28% below tier average
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + ROA 0.40% above tier average

Key Concerns

Areas that may need attention

  • - Cost Spiral: Bottom 2.2% in tier
  • - Non-Interest Income / Assets 0.52% below tier average
  • - Net Interest Margin 0.78% below tier average
Get updates when The First National Bank of Mertzon releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $500.3M
-7.3% YoY -0.9% QoQ
+$113.7M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
72%
Total Loans ? $89.5M
+23.2% YoY +13.2% QoQ
-$168.9M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
Bottom 14.6% in tier
Total Deposits ? $420.2M
-10.1% YoY -1.5% QoQ
+$93.5M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
72%
Return on Assets ? 1.72%
-11.8% YoY +6.8% QoQ
+0.40% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
77%
Net Interest Margin ? 3.21%
-4.2% YoY +5.1% QoQ
-0.78% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
16%
Efficiency Ratio ? 31.20%
+21.8% YoY -7.0% QoQ
-33.28% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
Top 0.9% in tier
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 21.29%
+37.1% YoY +15.0% QoQ
-56.66% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
Top 0.9% in tier
Non-Interest-Bearing Deposit Share ? 30.54%
+16.4% YoY +1.5% QoQ
+8.51% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
84%
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 76.85%
-10.0% YoY -9.1% QoQ
+60.94% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
Top 0.6% in tier
Non-Interest Income / Assets ? 0.04%
+3.4% YoY +115.2% QoQ
-0.52% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
Bottom 4.4% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Noninterest-Bearing 30.5%
+4.3pp YoY
+0.5pp QoQ
 +8.4pp 22.1% 29.2% 22.2% 83%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 18.1%
-4.3pp YoY
-1.8pp QoQ
 +6.6pp 11.6% 14.8% 12.5% 84%
CRE 44.4%
-2.1pp YoY
-7.1pp QoQ
 +4.8pp 39.5% 48.4% 41.4% 61%
1-4 Family 8.0%
-2.7pp YoY
-1.4pp QoQ
 -24.6pp 32.6% 25.8% 31.3% 8%
Consumer 3.8%
-1.6pp YoY
-0.4pp QoQ
 -0.3pp 4.1% 4.7% 5.0% 68%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio 76.8%
-8.6pp YoY
-7.7pp QoQ
 +58.0pp 18.8% 22.7% 19.7% 99%
Leverage Ratio 15.7%
+2.9pp YoY
+0.3pp QoQ
 +3.6pp 12.2% 12.6% 12.6% 90%
Total Capital Ratio 78.1%
-8.6pp YoY
-7.7pp QoQ
 +58.2pp 19.9% 23.8% 20.8% 99%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 30
0 YoY
0 QoQ
 -29 58 186 482 26%
Assets per Employee ($) $16.7M
-7.3% YoY
-0.9% QoQ
 +$9.2M $7.5M $10.1M $8.8M 98%
Branch Count 3
0 YoY
0 QoQ
 -2 4 12 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual n/a n/a 0.9% 1.0% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 18.82x 20.23x n/a
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 34%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 11.2%
-4.4pp YoY
+0.6pp QoQ
 -1.0pp 12.2% 13.2% 11.6% 44%
Cost of Funds (YTD) 0.5%
+0.1pp YoY
0.0pp QoQ
 -1.2pp 1.7% 1.6% 1.7% 2%
Net Income ($, YTD) $4.3M
-19.1% YoY
— QoQ
 +$1.7M $2.6M $15.9M $40.4M 83%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth
#281 of 659 • Top 42.5% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (1)

Cost Spiral

risk
#4 of 138 • Bottom 2.2% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 31.20%
(Tier: 64.48%, National: 70.05%)
better than tier avg
138 of 138 Community banks match · 184 nationally
→ Stable +9 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (7 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
16
Tier 1 Capital Ratio
capital
Value: 76.85%
Peer Median: 15.91%
#16 of 2643 Top 0.6% in $100M-$1B
26
Efficiency Ratio
profitability
Value: 31.20%
Peer Median: 64.48%
#26 of 2643 Top 0.9% in $100M-$1B
26
Loan-to-Deposit Ratio
liquidity
Value: 21.29%
Peer Median: 77.95%
#26 of 2643 Top 0.9% in $100M-$1B
436
Non-Interest-Bearing Deposit Share
funding
Value: 30.54%
Peer Median: 22.03%
#436 of 2643 Top 16.5% in $100M-$1B
612
Return on Assets
profitability
Value: 1.72%
Peer Median: 1.32%
#612 of 2643 Top 23.1% in $100M-$1B

Top Weaknesses (3 metrics)

2528
Non-Interest Income / Assets
revenue_mix
Value: 0.04%
Peer Median: 0.57%
#2528 of 2643 Bottom 4.4% in $100M-$1B
2258
Total Loans
size
Value: $89.48M
Peer Median: $258.35M
#2258 of 2643 Bottom 14.6% in $100M-$1B
2213
Net Interest Margin
profitability
Value: 3.21%
Peer Median: 3.99%
#2213 of 2643 Bottom 16.3% in $100M-$1B
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