RANKING ·
Largest net interest margin improvement 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 and a comparable quarter a year earlier. Institutions with equal values share a rank. Source: FDIC quarterly financial data.
| Rank | Institution | Headquarters | Net interest margin, change over 12 months | Total assets |
|---|---|---|---|---|
| 1 | First Bank and Trust of Memphis | Memphis, TX | +853 bps | $148 million |
| 2 | Monet Bank | Plano, TX | +608 bps | $3.2 billion |
| 3 | Titan Bank N.A. | Mineral Wells, TX | +137 bps | $896 million |
| 4 | Sunflower Bank N.A. | Dallas, TX | +109 bps | $15.7 billion |
| 5 | Texasbank | Fort Worth, TX | +90 bps | $2.5 billion |
| 6 | Graham Savings and Loan SSB | Graham, TX | +82 bps | $155 million |
| 7 | Cornerstone Capital Bank SSB | Houston, TX | +82 bps | $3.7 billion |
| 8 | First Texas National Bank | Floydada, TX | +74 bps | $217 million |
| 9 | Colonial Savings F.A. | Fort Worth, TX | +74 bps | $502 million |
| 10 | Inwood National Bank | Dallas, TX | +72 bps | $4.3 billion |
| 11 | Tolleson Private Bank | Dallas, TX | +72 bps | $982 million |
| 12 | The First State Bank | Abernathy, TX | +71 bps | $121 million |
| 13 | First State Bank | Gainesville, TX | +69 bps | $1.9 billion |
| 14 | Charles Schwab Bank SSB | Westlake, TX | +68 bps | $251 billion |
| 15 | Gulf Capital Bank | Houston, TX | +66 bps | $596 million |
| 16 | First Texas Bank | Georgetown, TX | +66 bps | $1.3 billion |
| 17 | Broadstreet Bank SSB | Mineola, TX | +62 bps | $443 million |
| 18 | The First National Bank of Sonora | Sonora, TX | +62 bps | $722 million |
| 19 | Schertz Bank & Trust | Schertz, TX | +62 bps | $770 million |
| 20 | Capital Bank | Jacinto City, TX | +60 bps | $690 million |
| 21 | Texas National Bank | Sweetwater, TX | +59 bps | $139 million |
| 22 | Rio Bank | Mcallen, TX | +56 bps | $1.4 billion |
| 23 | Frontier Bank of Texas | Elgin, TX | +56 bps | $1.1 billion |
| 24 | Hometown Bank N.A. | Galveston, TX | +55 bps | $990 million |
| 25 | Alliance Bank | Sulphur Springs, TX | +55 bps | $1.4 billion |
| 26 | First State Bank of Burnet | Burnet, TX | +55 bps | $326 million |
| 27 | Pinnacle Bank | Fort Worth, TX | +54 bps | $2.7 billion |
| 28 | Greater State Bank | Mcallen, TX | +54 bps | $180 million |
| 29 | Moody National Bank | Galveston, TX | +53 bps | $1.5 billion |
| 30 | The Liberty National Bank in Paris | Paris, TX | +51 bps | $452 million |
| 31 | American Bank N.A. | Waco, TX | +51 bps | $625 million |
| 32 | Spur Security Bank | Spur, TX | +50 bps | $141 million |
| 33 | Texas Bank and Trust Company | Longview, TX | +48 bps | $4.3 billion |
| 34 | Citizens National Bank at Brownwood | Brownwood, TX | +48 bps | $303 million |
| 35 | Texas Security Bank | Dallas, TX | +48 bps | $1.4 billion |
| 36 | Texas First Bank | Texas City, TX | +47 bps | $2.3 billion |
| 37 | R Bank | Round Rock, TX | +47 bps | $1.0 billion |
| 38 | Horizon Bank SSB | Austin, TX | +46 bps | $2.6 billion |
| 39 | Kleberg Bank N.A. | Kingsville, TX | +46 bps | $737 million |
| 40 | Dalhart Federal Savings & Loan Association SSB | Dalhart, TX | +45 bps | $126 million |
| 41 | Ozona Bank | Ozona, TX | +45 bps | $346 million |
| 42 | Weststar Bank | El Paso, TX | +45 bps | $3.3 billion |
| 43 | Spring Hill State Bank | Longview, TX | +45 bps | $238 million |
| 44 | The American National Bank of Texas | Terrell, TX | +44 bps | $5.5 billion |
| 45 | American Bank of Commerce | Wolfforth, TX | +44 bps | $1.9 billion |
| 46 | The First National Bank of Livingston | Livingston, TX | +44 bps | $467 million |
| 47 | Austin Bank, Texas N.A. | Jacksonville, TX | +44 bps | $3.3 billion |
| 48 | The First National Bank of Aspermont | Aspermont, TX | +44 bps | $134 million |
| 49 | State Bank of Texas | Irving, TX | +43 bps | $2.6 billion |
| 50 | Tib N.A. | Farmers Branch, TX | +43 bps | $3.0 billion |
| 51 | Texas State Bank | San Angelo, TX | +42 bps | $426 million |
| 52 | Jefferson Bank | San Antonio, TX | +42 bps | $2.9 billion |
| 53 | Castroville State Bank | Castroville, TX | +41 bps | $270 million |
| 54 | First National Bank of Fort Stockton | Fort Stockton, TX | +41 bps | $153 million |
| 55 | Texas Gulf Bank N.A. | Houston, TX | +41 bps | $727 million |
| 56 | North Dallas Bank & Trust Co. | Dallas, TX | +41 bps | $1.8 billion |
| 57 | First Security State Bank | Cranfills Gap, TX | +41 bps | $183 million |
| 58 | The First National Bank of Tom Bean | Tom Bean, TX | +39 bps | $156 million |
| 59 | First State Bank | Athens, TX | +39 bps | $762 million |
| 60 | First State Bank and Trust Company | Carthage, TX | +39 bps | $547 million |
| 61 | The First National Bank of Anderson | Anderson, TX | +39 bps | $230 million |
| 62 | The Citizens National Bank of Hillsboro | Hillsboro, TX | +39 bps | $224 million |
| 63 | Grandview Bank | Grandview, TX | +39 bps | $729 million |
| 64 | Dallas Capital Bank N.A. | Dallas, TX | +38 bps | $1.2 billion |
| 65 | American State Bank | Arp, TX | +38 bps | $638 million |
| 66 | The Yoakum National Bank | Yoakum, TX | +38 bps | $386 million |
| 67 | Trinity Capital Bank of Texas | Ennis, TX | +37 bps | $457 million |
| 68 | The City National Bank of Sulphur Springs | Sulphur Springs, TX | +36 bps | $1.4 billion |
| 69 | The Jacksboro National Bank | Jacksboro, TX | +36 bps | $283 million |
| 70 | The State National Bank of Big Spring | Big Spring, TX | +36 bps | $640 million |
| 71 | Wells Fargo Bank South Central N.A. | Houston, TX | +36 bps | $2.6 billion |
| 72 | Peoples State Bank | Shepherd, TX | +35 bps | $181 million |
| 73 | Commercial Bank of Texas N.A. | Nacogdoches, TX | +35 bps | $1.7 billion |
| 74 | Commercial National Bank of Texarkana | Texarkana, TX | +35 bps | $330 million |
| 75 | Pilgrim Bank | Pittsburg, TX | +34 bps | $715 million |
| 76 | Coleman County State Bank | Coleman, TX | +34 bps | $295 million |
| 77 | Muenster State Bank | Muenster, TX | +33 bps | $227 million |
| 78 | First State Bank of Texas | Orange, TX | +33 bps | $354 million |
| 79 | American National Bank & Trust | Wichita Falls, TX | +33 bps | $2.5 billion |
| 80 | Spectra Bank | Fort Worth, TX | +33 bps | $127 million |
| 81 | First State Bank of Uvalde | Uvalde, TX | +33 bps | $1.7 billion |
| 82 | The First National Bank of Eagle Lake | Eagle Lake, TX | +32 bps | $168 million |
| 83 | Ciera Bank | Graham, TX | +32 bps | $993 million |
| 84 | Classic Bank N.A. | Cameron, TX | +31 bps | $657 million |
| 85 | First State Bank of Brownsboro | Brownsboro, TX | +31 bps | $140 million |
| 86 | The Bank and Trust SSB | Del Rio, TX | +30 bps | $584 million |
| 87 | The City National Bank of Colorado City | Colorado City, TX | +30 bps | $452 million |
| 88 | Community Bank | Longview, TX | +30 bps | $315 million |
| 89 | Prosperity Bank | El Campo, TX | +30 bps | $43.9 billion |
| 90 | The Waggoner National Bank of Vernon | Vernon, TX | +29 bps | $354 million |
| 91 | Citizens National Bank | Cameron, TX | +29 bps | $692 million |
| 92 | First National Bank of Giddings | Giddings, TX | +29 bps | $356 million |
| 93 | Broadway National Bank | San Antonio, TX | +29 bps | $5.4 billion |
| 94 | The First National Bank of East Texas | Gilmer, TX | +29 bps | $595 million |
| 95 | Firstbank Southwest | Amarillo, TX | +29 bps | $1.9 billion |
| 96 | Legend Bank, N. A. | Bowie, TX | +29 bps | $1.3 billion |
| 97 | The First National Bank of Bastrop | Bastrop, TX | +28 bps | $1.2 billion |
| 98 | Southwestern National Bank | Houston, TX | +28 bps | $1.4 billion |
| 99 | Ubank | Huntington, TX | +28 bps | $1.0 billion |
| 100 | First Federal Community Bank SSB | Paris, TX | +27 bps | $604 million |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings