RANKING ·
Highest net interest margin in Texas
310 of 352 banks in Texas that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets. Institutions with equal values share a rank. Source: FDIC quarterly financial data.
| Rank | Institution | Headquarters | Net interest margin | Total assets |
|---|---|---|---|---|
| 1 | The First State Bank | Abernathy, TX | 7.85% | $121 million |
| 2 | Monet Bank | Plano, TX | 7.39% | $3.2 billion |
| 3 | The Commercial National Bank of Brady | Brady, TX | 7.25% | $425 million |
| 4 | Bank of South Texas | Mcallen, TX | 7.17% | $175 million |
| 5 | Austin Capital Bank SSB | Austin, TX | 6.86% | $395 million |
| 6 | The First National Bank of Hughes Springs | Hughes Springs, TX | 6.50% | $320 million |
| 7 | Tbk Bank SSB | Dallas, TX | 6.42% | $7.4 billion |
| 8 | Lone Oak Bank N.A. | Eldorado, TX | 6.30% | $120 million |
| 9 | Titan Bank N.A. | Mineral Wells, TX | 6.24% | $896 million |
| 10 | Greater State Bank | Mcallen, TX | 6.19% | $180 million |
| 11 | First National Bank of Dublin | Dublin, TX | 6.05% | $134 million |
| 12 | First Capital Bank | Quanah, TX | 5.99% | $107 million |
| 13 | The First National Bank of Tom Bean | Tom Bean, TX | 5.87% | $156 million |
| 14 | Southwest Bank | Odessa, TX | 5.76% | $694 million |
| 15 | Herring Bank | Amarillo, TX | 5.62% | $541 million |
| 16 | State Bank of Texas | Irving, TX | 5.61% | $2.6 billion |
| 17 | Citizens National Bank of Texas | Waxahachie, TX | 5.54% | $2.2 billion |
| 18 | Security Bank of Texas | Crawford, TX | 5.52% | $176 million |
| 19 | Charter Bank | Corpus Christi, TX | 5.50% | $292 million |
| 20 | First Texas National Bank | Floydada, TX | 5.42% | $217 million |
| 21 | Austin Bank, Texas N.A. | Jacksonville, TX | 5.41% | $3.3 billion |
| 22 | Coleman County State Bank | Coleman, TX | 5.37% | $295 million |
| 23 | Guadalupe Bank | Kerrville, TX | 5.35% | $261 million |
| 24 | First State Bank of Odem | Odem, TX | 5.34% | $213 million |
| 25 | The First National Bank of Winnsboro | Winnsboro, TX | 5.32% | $158 million |
| 26 | Western Bank | Lubbock, TX | 5.31% | $947 million |
| 27 | The First State Bank | Louise, TX | 5.30% | $895 million |
| 28 | Sunflower Bank N.A. | Dallas, TX | 5.28% | $15.7 billion |
| 29 | Newfirst National Bank | El Campo, TX | 5.28% | $935 million |
| 30 | The First National Bank of Eagle Lake | Eagle Lake, TX | 5.27% | $168 million |
| 31 | Texas Republic Bank N.A. | Frisco, TX | 5.27% | $511 million |
| 32 | Capital Bank | Jacinto City, TX | 5.24% | $690 million |
| 33 | Maverick Bank | Fort Davis, TX | 5.23% | $809 million |
| 34 | Grandview Bank | Grandview, TX | 5.22% | $729 million |
| 35 | Austin County State Bank | Bellville, TX | 5.19% | $543 million |
| 36 | Community National Bank | Midland, TX | 5.17% | $2.5 billion |
| 37 | First National Bank of Fort Stockton | Fort Stockton, TX | 5.11% | $153 million |
| 38 | The National Bank of Andrews | Andrews, TX | 5.10% | $341 million |
| 39 | The American National Bank of Mount Pleasant | Mount Pleasant, TX | 5.10% | $145 million |
| 40 | First Bank | Burkburnett, TX | 5.08% | $704 million |
| 41 | Texasbank | Fort Worth, TX | 5.08% | $2.5 billion |
| 42 | Clear Fork Bank N.A. | Albany, TX | 5.07% | $1.0 billion |
| 43 | Harmony Bank | Dallas, TX | 5.07% | $855 million |
| 44 | International Bank of Commerce | Laredo, TX | 5.01% | $10.2 billion |
| 45 | First State Bank | Shallowater, TX | 5.00% | $151 million |
| 46 | Ubank | Huntington, TX | 4.99% | $1.0 billion |
| 47 | The First National Bank of Hereford | Hereford, TX | 4.98% | $345 million |
| 48 | Bank of Desoto N.A. | De Soto, TX | 4.97% | $265 million |
| 49 | Spring Hill State Bank | Longview, TX | 4.94% | $238 million |
| 50 | The Mint National Bank | Kingwood, TX | 4.93% | $389 million |
| 51 | Wallis Bank | Wallis, TX | 4.93% | $1.4 billion |
| 52 | The City National Bank of Sulphur Springs | Sulphur Springs, TX | 4.91% | $1.4 billion |
| 53 | First Bank and Trust of Memphis | Memphis, TX | 4.90% | $148 million |
| 54 | Security State Bank & Trust | Fredericksburg, TX | 4.90% | $2.2 billion |
| 55 | American Bank N.A. | Dallas, TX | 4.90% | $774 million |
| 56 | Citizens State Bank | Somerville, TX | 4.89% | $1.2 billion |
| 57 | Valuebank Texas | Corpus Christi, TX | 4.87% | $304 million |
| 58 | West Texas State Bank | Snyder, TX | 4.86% | $444 million |
| 59 | First State Bank of Texas | Orange, TX | 4.86% | $354 million |
| 60 | Arrowhead Bank | Llano, TX | 4.84% | $295 million |
| 61 | First Liberty Bank | Liberty, TX | 4.82% | $873 million |
| 62 | Homebank Texas | Seagoville, TX | 4.81% | $403 million |
| 63 | One World Bank | Dallas, TX | 4.80% | $290 million |
| 64 | First Community Bank | Corpus Christi, TX | 4.80% | $663 million |
| 65 | First National Bank of Bosque County | Valley Mills, TX | 4.79% | $182 million |
| 66 | The First National Bank of Anson | Anson, TX | 4.78% | $105 million |
| 67 | Texas State Bank | San Angelo, TX | 4.78% | $426 million |
| 68 | Texas Financial Bank Dba the Eden State Bank | Eden, TX | 4.78% | $265 million |
| 69 | T Bank N.A. | Dallas, TX | 4.77% | $1.1 billion |
| 70 | Shelby Savings Bank SSB | Center, TX | 4.76% | $457 million |
| 71 | Ciera Bank | Graham, TX | 4.75% | $993 million |
| 72 | Central Bank | Houston, TX | 4.74% | $1.4 billion |
| 73 | The First National Bank of Sonora | Sonora, TX | 4.74% | $722 million |
| 74 | Primebank of Texas | Austin, TX | 4.74% | $280 million |
| 75 | Legend Bank, N. A. | Bowie, TX | 4.74% | $1.3 billion |
| 76 | Frontier Bank of Texas | Elgin, TX | 4.73% | $1.1 billion |
| 77 | The Bank and Trust SSB | Del Rio, TX | 4.72% | $584 million |
| 78 | The First National Bank of Anderson | Anderson, TX | 4.72% | $230 million |
| 79 | Commercial National Bank of Texarkana | Texarkana, TX | 4.72% | $330 million |
| 80 | Community National Bank & Trust of Texas | Corsicana, TX | 4.72% | $1.7 billion |
| 81 | State Bank of de Kalb | De Kalb, TX | 4.71% | $520 million |
| 82 | Farmers State Bank | Center, TX | 4.70% | $391 million |
| 83 | The First National Bank of Evant | Evant, TX | 4.70% | $199 million |
| 84 | First State Bank of Bedias | Bedias, TX | 4.69% | $225 million |
| 85 | Plains State Bank | Humble, TX | 4.69% | $828 million |
| 86 | The Cowboy Bank of Texas | Maypearl, TX | 4.69% | $109 million |
| 87 | Incommons Bank N.A. | Mexia, TX | 4.68% | $278 million |
| 88 | Southstar Bank, S.S.B. | Moulton, TX | 4.65% | $1.4 billion |
| 89 | Kleberg Bank N.A. | Kingsville, TX | 4.64% | $737 million |
| 90 | Community Bank | Longview, TX | 4.64% | $315 million |
| 91 | First State Bank | Athens, TX | 4.62% | $762 million |
| 92 | Citizens State Bank | Miles, TX | 4.61% | $270 million |
| 93 | The Yoakum National Bank | Yoakum, TX | 4.60% | $386 million |
| 94 | The First National Bank of East Texas | Gilmer, TX | 4.59% | $595 million |
| 95 | Farmers and Merchants Bank | De Leon, TX | 4.59% | $270 million |
| 96 | First Community Bank | San Benito, TX | 4.59% | $794 million |
| 97 | Texas Traditions Bank | Katy, TX | 4.55% | $556 million |
| 98 | Texas National Bank | Mercedes, TX | 4.54% | $1.2 billion |
| 99 | First National Bank of Central Texas | Waco, TX | 4.54% | $1.8 billion |
| 100 | Nbt Financial Bank | Fort Worth, TX | 4.53% | $619 million |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings