State Rankings & Insights
See how banks across TEXAS rank on Efficiency Ratio for 2024Q4. Values are reported in percentage terms as of 2024-12-31. Browse the table below or jump directly to an institution’s call‑report profile.
- Average: 72.25%
- Median: 64.16%
- Min / Max: 10.52% — 1527.60%
Top banks by Efficiency Ratio in TEXAS
Count
382
Sum
27597.99%
Avg
72.25%
Median
64.16%
Min
10.52%
Max
1527.60%
| Bank | City | Efficiency Ratio |
|---|---|---|
| FUNDBANK NATIONAL ASSN | AUSTIN | 1527.60% |
| MOODY NATIONAL BANK | GALVESTON | 315.71% |
| AGILITY BANK NATIONAL ASSN | HOUSTON | 255.67% |
| FIRST NB OF WINNSBORO | WINNSBORO | 247.44% |
| INTEGRITY BANK SSB | HOUSTON | 238.71% |
| BANK OF BRENHAM NA | BRENHAM | 234.99% |
| FAYETTEVILLE BANK | FAYETTEVILLE | 196.55% |
| GRANGER NATIONAL BANK | GRANGER | 195.35% |
| CHASEWOOD BANK | HOUSTON | 152.45% |
| AMERICAN STATE BANK | ARP | 152.21% |
| AVANA BANK | ABILENE | 150.00% |
| POWELL STATE BANK | POWELL | 125.51% |
| TRUSTTEXAS BANK SSB | CUERO | 124.23% |
| AUSTIN CAPITAL BANK SSB | AUSTIN | 117.65% |
| FIRST NATIONAL BANK OF ALVIN | ALVIN | 115.49% |
| ROBERT LEE STATE BANK | ROBERT LEE | 112.73% |
| FIRST NB OF LAKE JACKSON | LAKE JACKSON | 107.63% |
| TRANSPECOS BANKS SSB | PECOS | 107.39% |
| CITIZENS STATE BANK | BUFFALO | 105.32% |
| DALHART FS&LA SSB | DALHART | 103.00% |
| HERRING BANK | AMARILLO | 102.90% |
| PEARLAND STATE BANK | PEARLAND | 100.98% |
| FIRST NB OF SHINER | SHINER | 98.99% |
| FIRST STB OF BROWNSBORO | BROWNSBORO | 98.24% |
| GULF CAPITAL BANK | HOUSTON | 96.71% |
| HIGHTOWER TRUST CO NA | HOUSTON | 96.33% |
| STATE NATIONAL BANK | GROOM | 96.23% |
| CITIZENS STATE BANK | GANADO | 95.92% |
| COMMERCE BANK TEXAS | STOCKDALE | 95.36% |
| TEXAS NATIONAL BANK | SWEETWATER | 95.31% |
| NORMANGEE STATE BANK | NORMANGEE | 94.83% |
| UNITY NB OF HOUSTON | HOUSTON | 94.31% |
| ANAHUAC NATIONAL BANK | ANAHUAC | 94.18% |
| CITIZENS STATE BANK | ROMA | 94.10% |
| FIRST NB OF ASPERMONT | ASPERMONT | 93.38% |
| CENDERA BANK NATIONAL ASSN | BELLS | 93.30% |
| FIRST NB OF BELLVILLE | BELLVILLE | 93.07% |
| R BANK | ROUND ROCK | 92.67% |
| BRAZOS NATIONAL BANK | RICHWOOD | 92.21% |
| GRAHAM SAVINGS&LOAN SSB | GRAHAM | 91.84% |
| TEXANA BANK NATIONAL ASSN | LINDEN | 91.33% |
| SPUR SECURITY BANK | SPUR | 91.29% |
| LONE STAR CAPITAL BANK NA | SAN ANTONIO | 91.20% |
| TEXAS REGIONAL BANK | HARLINGEN | 90.81% |
| COLONIAL SAVINGS FA | FORT WORTH | 90.24% |
| FIRST NB OF ANDERSON | ANDERSON | 90.10% |
| FIRST STATE BANK | ABERNATHY | 89.91% |
| MAPLEMARK BANK | DALLAS | 89.21% |
| FIRST FED BK LITTLEFIELD TX | LITTLEFIELD | 89.00% |
| FIRST STATE BANK | GAINESVILLE | 88.71% |
| FIRST NATIONAL BANK OF MOODY | MOODY | 88.17% |
| LEGACY TRUST CO N A | HOUSTON | 87.35% |
| FARMERS STB OF NEWCASTLE | NEWCASTLE | 87.31% |
| NORTH DALLAS BANK&TRUST CO | DALLAS | 86.55% |
| CITY NATIONAL BANK | CORSICANA | 86.39% |
| FIDELITY BANK OF TEXAS | WACO | 86.17% |
| FIRST NATIONAL BANK TEXAS | KILLEEN | 85.60% |
| CITY NB OF SAN SABA | SAN SABA | 85.45% |
| CORNERSTONE CAPITAL BANK SSB | HOUSTON | 84.89% |
| SPECTRA BANK | FORT WORTH | 84.70% |
| TBK BANK SSB | DALLAS | 84.67% |
| LAMAR NATIONAL BANK | PARIS | 84.57% |
| BROADSTREET BANK SSB | MINEOLA | 83.44% |
| JEFFERSON BANK | SAN ANTONIO | 83.08% |
| FIRST NATIONAL BANK | ROTAN | 82.91% |
| FIRST NB OF SONORA | SONORA | 81.75% |
| FIRST NATIONAL BANK OF LIPAN | LIPAN | 81.65% |
| CYPRESS BANK SSB | PITTSBURG | 81.50% |
| PILGRIM BANK | PITTSBURG | 81.26% |
| CAPTEX BANK | FORT WORTH | 80.73% |
| LOVELADY STATE BANK | LOVELADY | 80.48% |
| PLAINSCAPITAL BANK | UNIVERSITY PARK | 79.74% |
| KRESS NATIONAL BANK | KRESS | 79.37% |
| DALLAS CAPITAL BANK NA | DALLAS | 79.36% |
| CITIZENS BANK | KILGORE | 79.27% |
| NATIONAL BANK&TRUST | LA GRANGE | 79.06% |
| TEXAS ADVANTAGE CMTY BANK NA | ALVIN | 78.41% |
| OZONA BANK | OZONA | 78.17% |
| LYTLE STB OF LYTLE TEXAS | LYTLE | 77.92% |
| FIRST NB OF TRINITY | TRINITY | 77.65% |
| TEXAS CHAMPION BANK | CORPUS CHRISTI | 77.08% |
| VICTORY BANK | LUBBOCK | 76.88% |
| FIRST-LOCKHART NATIONAL BANK | LOCKHART | 76.77% |
| FIRST NB&T CO OF WEATHERFORD | WEATHERFORD | 76.77% |
| FANNIN BANK | BONHAM | 76.50% |
| TEXAS GULF BANK NA | HOUSTON | 76.39% |
| FIRST STB OF SAN DIEGO | SAN DIEGO | 76.07% |
| FIRST NB OF TOM BEAN | TOM BEAN | 75.32% |
| FIRST STATE BANK | SHALLOWATER | 75.04% |
| BANK&TRUST SSB | DEL RIO | 74.75% |
| SECURITY STATE BANK | FARWELL | 74.72% |
| BK SAN JACINTO CNTY COLDSPRI | COLDSPRING | 74.71% |
| CITIZENS STATE BANK | WOODVILLE | 74.53% |
| RIO BANK | MCALLEN | 74.21% |
| CROWELL STATE BANK | CROWELL | 74.10% |
| FIRST STB OF BEN WHEELER TX | BEN WHEELER | 73.86% |
| FIRST STATE BANK OF TEXAS | ORANGE | 73.53% |
| FIRST COMMUNITY BANK | CORPUS CHRISTI | 73.28% |
| TXN BANK | HONDO | 72.92% |
| MASON BANK | MASON | 72.92% |
| MUENSTER STATE BANK | MUENSTER | 72.91% |
| FIRST STATE BANK&TRUST CO | CARTHAGE | 72.90% |
| AMERICAN NB OF TEXAS | TERRELL | 72.90% |
| FIRST FEDERAL CMTY BANK SSB | PARIS | 72.71% |
| FIRST NB OF FORT STOCKTON | FORT STOCKTON | 72.57% |
| EXTRACO BANKS NATIONAL ASSN | TEMPLE | 72.27% |
| FIRST STATE BANK | COLUMBUS | 72.24% |
| FIRST SECURITY STATE BANK | CRANFILLS GAP | 72.15% |
| AMERICAN NATIONAL BANK&TRUST | WICHITA FALLS | 72.15% |
| CITIZENS NB AT BROWNWOOD | BROWNWOOD | 72.09% |
| COMMERCIAL NB OF TEXARKANA | TEXARKANA | 71.85% |
| GREATER STATE BANK | MCALLEN | 71.83% |
| BANK OF SOUTH TEXAS | MCALLEN | 71.65% |
| PEOPLES STATE BANK | SHEPHERD | 71.63% |
| COMMUNITY B&T WACO TEXAS | WACO | 71.46% |
| CITIZENS STATE BANK | ANTON | 71.41% |
| FIRST NATIONAL BANK | WICHITA FALLS | 71.41% |
| ALLIANCE BANK | SULPHUR SPRINGS | 71.35% |
| WOODFOREST NATIONAL BANK | THE WOODLANDS | 71.32% |
| FIRST NB IN COOPER | COOPER | 71.31% |
| TEXAS BANK | HENDERSON | 71.19% |
| TIB NATIONAL ASSN | FARMERS BRANCH | 71.17% |
| PAVILLION BANK | RICHARDSON | 71.17% |
| ANGELINA SAVINGS BANK SSB | LUFKIN | 71.09% |
| AMERICAN BANK OF COMMERCE | WOLFFORTH | 70.77% |
| HOMETOWN BANK NATIONAL ASSN | GALVESTON | 70.31% |
| FIRST NB OF HEBBRONVILLE | HEBBRONVILLE | 70.20% |
| INTERSTATE BANK | PERRYTON | 70.07% |
| SUNFLOWER BANK NATIONAL ASSN | DALLAS | 70.00% |
| CITIZENS NB OF HILLSBORO | HILLSBORO | 69.90% |
| FIRST LIBERTY BANK | LIBERTY | 69.89% |
| CARMINE STATE BANK | CARMINE | 69.87% |
| HASKELL NATIONAL BANK | HASKELL | 69.86% |
| KARNES CNTY NB OF KARNES CTY | KARNES CITY | 69.78% |
| WORTHINGTON BANK | ARLINGTON | 69.68% |
| FIRST NB OF BASTROP | BASTROP | 69.65% |
| KLEBERG BANK N A | KINGSVILLE | 69.59% |
| BRIDGE CITY STATE BANK | BRIDGE CITY | 69.58% |
| TEXAS NATIONAL BANK | MERCEDES | 69.58% |
| BROADWAY NATIONAL BANK | SAN ANTONIO | 69.45% |
| WESTERN BANK | LUBBOCK | 69.20% |
| AMERICAN FIRST NATIONAL BANK | HOUSTON | 69.19% |
| FIRST NB OF EAGLE LAKE | EAGLE LAKE | 69.13% |
| FARMERS STATE BANK | GROESBECK | 68.78% |
| LONE STAR BANK | HOUSTON | 68.77% |
| TOLLESON PRIVATE BANK | DALLAS | 68.76% |
| TEXAS HERITAGE BANK | BOERNE | 68.72% |
| GUADALUPE BANK | KERRVILLE | 68.55% |
| T BANK NATIONAL ASSN | DALLAS | 68.48% |
| FIRST COMMERCIAL BANK NA | SEGUIN | 68.46% |
| YOAKUM NATIONAL BANK | YOAKUM | 68.38% |
| COMERICA BANK | DALLAS | 68.34% |
| FIRST BANK | BURKBURNETT | 68.24% |
| FIRST NB OF GRANBURY | GRANBURY | 68.07% |
| FIRST NB OF LIVINGSTON | LIVINGSTON | 67.73% |
| LLANO NATIONAL BANK | LLANO | 67.69% |
| FIRST CAPITAL BANK | QUANAH | 67.62% |
| WELLINGTON STATE BANK | WELLINGTON | 67.47% |
| AMERICAN BANK NATIONAL ASSN | WACO | 67.44% |
| COLEMAN COUNTY STATE BANK | COLEMAN | 67.36% |
| FIRST STB OF LIVINGSTON | LIVINGSTON | 67.32% |
| LONE STAR NATIONAL BANK | PHARR | 67.26% |
| CITIZENS STB OF LULING | LULING | 67.07% |
| INDEPENDENT BANK | MCKINNEY | 66.82% |
| GLOBAL ONE BANK | HOUSTON | 66.76% |
| SANTA ANNA NATIONAL BANK | SANTA ANNA | 66.67% |
| BRADY NATIONAL BANK | BRADY | 66.59% |
| COMMERCIAL STATE BANK | PALMER | 66.50% |
| SECURITY BANK OF TEXAS | CRAWFORD | 66.48% |
| ATASCOSA BANK | PLEASANTON | 66.47% |
| ALLIANCE BANK CENTRAL TEXAS | WOODWAY | 66.27% |
| BENCHMARK BANK | PLANO | 66.07% |
| SHELBY SAVINGS BANK SSB | CENTER | 66.07% |
| BANK OF THE WEST | GRAPEVINE | 65.88% |
| HARMONY BANK | DALLAS | 65.84% |
| KEYSTONE BANK SSB | AUSTIN | 65.77% |
| DOMINION BANK | DALLAS | 65.49% |
| ENNIS STATE BANK | ENNIS | 65.36% |
| NBT FINANCIAL BANK | FORT WORTH | 65.33% |
| TEXAS TRADITIONS BANK | KATY | 65.17% |
| PEOPLES BANK | PARIS | 65.02% |
| MCBANK | GOLDTHWAITE | 64.91% |
| ARROWHEAD BANK | LLANO | 64.85% |
| HENDERSON FSB | HENDERSON | 64.78% |
| SANGER BANK | SANGER | 64.61% |
| CITY NB OF COLORADO CITY | COLORADO CITY | 64.51% |
| VALUEBANK TEXAS | CORPUS CHRISTI | 64.49% |
| SOUTHTRUST BANK N A | GEORGE WEST | 64.47% |
| FIRST STATE BANK OF BURNET | BURNET | 64.35% |
| TEXAS PARTNERS BANK | SAN ANTONIO | 64.25% |
| COMMUNITY BANK | BRIDGEPORT | 64.18% |
| BIG BEND BANKS N A | MARFA | 64.13% |
| FIRST STATE BANK | ATHENS | 63.94% |
| POINTWEST BANK | WEST | 63.84% |
| INCOMMONS BANK N A | MEXIA | 63.50% |
| GILMER NB GILMER TEXAS | GILMER | 63.19% |
| CROSSROADS BANK | YOAKUM | 63.14% |
| FIRST BANK OF CELESTE | CELESTE | 62.98% |
| CASTROVILLE STATE BANK | CASTROVILLE | 62.93% |
| CENTRAL BANK | HOUSTON | 62.84% |
| VANTAGE BANK TEXAS | SAN ANTONIO | 62.81% |
| FIRST NB IN PORT LAVACA | PORT LAVACA | 62.62% |
| LEGEND BANK N A | BOWIE | 62.61% |
| ONE WORLD BANK | DALLAS | 62.55% |
| SOUTHWESTERN NATIONAL BANK | HOUSTON | 62.45% |
| SUSSER BANK | DALLAS | 62.37% |
| JOHNSON CITY BANK | JOHNSON CITY | 62.32% |
| SOUTHSTAR BANK SSB | MOULTON | 62.08% |
| DONLEY COUNTY STATE BANK | CLARENDON | 62.07% |
| FIRSTBANK SOUTHWEST | AMARILLO | 62.06% |
| TEXAS NB OF JACKSONVILLE | JACKSONVILLE | 62.04% |
| STELLAR BANK | HOUSTON | 61.98% |
| BANK OF DESOTO NATIONAL ASSN | DE SOTO | 61.94% |
| PRIMEBANK OF TEXAS | AUSTIN | 61.83% |
| ZAPATA NATIONAL BANK | ZAPATA | 61.80% |
| COMMERCIAL BANK OF TEXAS NA | NACOGDOCHES | 61.73% |
| FROST BANK | SAN ANTONIO | 61.68% |
| TEXAS BANK&TRUST CO | LONGVIEW | 61.67% |
| ZAVALA COUNTY BANK | CRYSTAL CITY | 61.38% |
| CAPITAL BANK | JACINTO CITY | 61.32% |
| FARMERS&MERCHANTS BANK | DE LEON | 61.30% |
| FREEDOM BANK | ALAMO | 61.13% |
| TEXAS FIRST BANK | TEXAS CITY | 61.10% |
| TEXAS EXCHANGE BANK | CROWLEY | 60.92% |
| FIRST NB OF EAST TEXAS | GILMER | 60.85% |
| FIRST TEXAS NATIONAL BANK | FLOYDADA | 60.84% |
| UBANK | HUNTINGTON | 60.82% |
| CITY NB OF SULPHUR SPRINGS | SULPHUR SPRINGS | 60.80% |
| POINTBANK | PILOT POINT | 60.76% |
| FIRST COMMAND BANK | FORT WORTH | 60.64% |
| CITY NATIONAL BANK OF TAYLOR | TAYLOR | 60.64% |
| UNITED TEXAS BANK | DALLAS | 60.53% |
| COMMUNITY NB&T OF TEXAS | CORSICANA | 60.40% |
| FIRST STATE BANK | GRAHAM | 60.31% |
| CLEAR FORK BANK NA | ALBANY | 60.13% |
| LIBERTY NB IN PARIS | PARIS | 60.03% |
| AMERICAN NB OF MT PLEASANT | MOUNT PLEASANT | 60.00% |
| HOMEBANK TEXAS | SEAGOVILLE | 59.91% |
| CLASSIC BANK NATIONAL ASSN | CAMERON | 59.74% |
| VERITEX COMMUNITY BANK | DALLAS | 59.74% |
| FIRST UNITED BANK | DIMMITT | 59.70% |
| GUARANTY BANK&TRUST N A | MOUNT PLEASANT | 59.64% |
| AMISTAD BANK | DEL RIO | 59.48% |
| PINNACLE BANK | FORT WORTH | 59.45% |
| PEOPLES STB OF HALLETTSVILLE | HALLETTSVILLE | 59.42% |
| STATE BANK OF DE KALB | DE KALB | 59.41% |
| FIRST STATE BANK | JUNCTION | 59.25% |
| FIRST NB IN FALFURRIAS | FALFURRIAS | 59.21% |
| CIERA BANK | GRAHAM | 59.13% |
| FIRST NB OF DUBLIN | DUBLIN | 59.00% |
| TEXAS CAPITAL BANK | DALLAS | 58.86% |
| TEXAS HERITAGE NATIONAL BANK | DAINGERFIELD | 58.78% |
| CITIZENS BANK NATIONAL ASSN | ABILENE | 58.56% |
| TEXAS SECURITY BANK | DALLAS | 58.52% |
| FIRST NB OF BOSQUE COUNTY | VALLEY MILLS | 58.48% |
| FIRST STATE BANK | SPEARMAN | 58.41% |
| NEXBANK | DALLAS | 58.34% |
| FIRST NB OF GIDDINGS | GIDDINGS | 57.91% |
| MAVERICK BANK | FORT DAVIS | 57.87% |
| PEOPLES STATE BANK | ROCKSPRINGS | 57.81% |
| FRONTIER BANK OF TEXAS | ELGIN | 57.64% |
| SAGE CAPITAL BANK | GONZALES | 57.52% |
| FIRST NB OF HEREFORD | HEREFORD | 57.43% |
| CITIZENS NATIONAL BANK | CAMERON | 56.94% |
| TEXAS FINANCIAL BANK | EDEN | 56.84% |
| PECOS COUNTY STATE BANK | FORT STOCKTON | 56.63% |
| SPRING HILL STATE BANK | LONGVIEW | 56.54% |
| COMMERCIAL BANK | MASON | 56.51% |
| ROUND TOP STATE BANK | ROUND TOP | 56.49% |
| JACKSBORO NATIONAL BANK | JACKSBORO | 56.46% |
| FARMERS STATE BANK | CENTER | 56.21% |
| THIRD COAST BANK | HUMBLE | 56.01% |
| CHARTER BANK | CORPUS CHRISTI | 55.66% |
| FIRST NB OF BALLINGER | BALLINGER | 55.44% |
| FIRST NATIONAL BANK OF EVANT | EVANT | 55.36% |
| TEXAS REPUBLIC BANK NA | FRISCO | 55.31% |
| AUSTIN BANK TEXAS NA | JACKSONVILLE | 55.25% |
| FIRST COMMUNITY BANK | SAN BENITO | 55.02% |
| PEOPLES BANK | LUBBOCK | 54.87% |
| MARION STATE BANK | MARION | 54.80% |
| INWOOD NATIONAL BANK | DALLAS | 54.75% |
| CITY BANK | LUBBOCK | 54.67% |
| SECURITY STATE BANK&TRUST | FREDERICKSBURG | 54.54% |
| TEXASBANK | BROWNWOOD | 54.48% |
| VISTA BANK | DALLAS | 54.40% |
| INTERNATIONAL BK OF COM | ZAPATA | 54.40% |
| FIRST BANK&TRUST OF MEMPHIS | MEMPHIS | 54.39% |
| SOUTHSIDE BANK | TYLER | 54.08% |
| AUSTIN COUNTY STATE BANK | BELLVILLE | 54.07% |
| STOCKMENS NB IN COTULLA | COTULLA | 53.92% |
| FAYETTE SAVINGS BANK SSB | LA GRANGE | 53.79% |
| MINT NATIONAL BANK | KINGWOOD | 53.75% |
| SOUTHWEST BANK | ODESSA | 53.58% |
| FIRST NATIONAL BANK OF ANSON | ANSON | 53.52% |
| FIRST NB OF HUGHES SPRINGS | HUGHES SPRINGS | 53.52% |
| BANK OF HOUSTON | HOUSTON | 53.38% |
| FIRST NB OF S PADRE ISL | SOUTH PADRE ISLA | 53.35% |
| SUNDOWN STATE BANK | SUNDOWN | 53.16% |
| FIRST STATE BANK | LOUISE | 52.91% |
| FIRST NB OF STERLING CITY | STERLING CITY | 52.83% |
| CITIZENS STATE BANK | SOMERVILLE | 52.77% |
| FIRST TEXAS BANK | GEORGETOWN | 52.76% |
| VERABANK NATIONAL ASSN | HENDERSON | 52.75% |
| BRENHAM NATIONAL BANK | BRENHAM | 52.54% |
| BUCKHOLTS STATE BANK | BUCKHOLTS | 52.16% |
| JUNCTION NATIONAL BANK | JUNCTION | 52.10% |
| SECURITY STATE BANK | PEARSALL | 51.98% |
| HORIZON BANK SSB | AUSTIN | 51.50% |
| FIRST NB OF ELDORADO | ELDORADO | 51.30% |
| NATIONAL BANK OF ANDREWS | ANDREWS | 50.91% |
| TEXAS STATE BANK | SAN ANGELO | 50.72% |
| CITIZENS STATE BANK | CORRIGAN | 50.63% |
| FIRST NB OF HUNTSVILLE | HUNTSVILLE | 50.61% |
| CITIZENS NB OF TEXAS | WAXAHACHIE | 50.28% |
| COLUMBUS STATE BANK | COLUMBUS | 50.00% |
| FALCON INTERNATIONAL BANK | LAREDO | 49.85% |
| AMERICAN MOMENTUM BANK | COLLEGE STATION | 49.79% |
| CITIZENS STATE BANK | SEALY | 49.70% |
| CITIZENS 1ST BANK | TYLER | 49.51% |
| FIRST TEXAS BANK | LAMPASAS | 49.10% |
| WAGGONER NB OF VERNON | VERNON | 48.84% |
| BANDERA BANK | BANDERA | 48.80% |
| COWBOY BANK OF TEXAS | MAYPEARL | 48.50% |
| AMERICAN BANK NATIONAL ASSN | CORPUS CHRISTI | 48.39% |
| FIRST STATE BANK | CLUTE | 48.10% |
| BOC BANK | MCLEAN | 47.88% |
| COMMUNITY NATIONAL BANK | MIDLAND | 47.73% |
| PERRYTON NATIONAL BANK | PERRYTON | 47.69% |
| FIRST STATE BANK OF BEDIAS | BEDIAS | 47.58% |
| WESTSTAR BANK | EL PASO | 47.30% |
| FIRST NB OF QUITAQUE | QUITAQUE | 47.20% |
| CITIZENS NB OF CROSBYTON | CROSBYTON | 46.63% |
| FIRST NB OF CENTRAL TEXAS | WACO | 46.57% |
| PLAINS STATE BANK | HUMBLE | 46.36% |
| FIRST NB OF MCGREGOR | MC GREGOR | 46.35% |
| WALLIS BANK | WALLIS | 46.33% |
| FIRST FINANCIAL BANK | ABILENE | 46.12% |
| LIBERTY CAPITAL BANK | ADDISON | 45.73% |
| FIRST STATE BANK OF ODEM | ODEM | 45.43% |
| CENTRAL NATIONAL BANK | WACO | 45.31% |
| FIRST STATE BANK | STRATFORD | 45.12% |
| PEGASUS BANK | DALLAS | 44.84% |
| FIRST STATE BANK OF UVALDE | UVALDE | 44.84% |
| CITIZENS NATIONAL BANK | CROCKETT | 44.61% |
| COMMERCIAL NB OF BRADY | BRADY | 44.28% |
| CITIZENS BANK | AMARILLO | 43.69% |
| PROSPERITY BANK | EL CAMPO | 43.43% |
| TEJAS BANK | MONAHANS | 43.07% |
| LAMESA NATIONAL BANK | LAMESA | 42.63% |
| LAKESIDE BANK | ROCKWALL | 42.30% |
| COMMUNITY BANK | LONGVIEW | 42.19% |
| GRANDVIEW BANK | GRANDVIEW | 41.34% |
| TRINITY BANK N A | FORT WORTH | 41.34% |
| STATE NB OF BIG SPRING | BIG SPRING | 41.33% |
| AMARILLO NATIONAL BANK | AMARILLO | 41.03% |
| MENARD BANK | MENARD | 40.94% |
| FIRST STATE BANK | PAINT ROCK | 40.53% |
| AMERICAN BANK NATIONAL ASSN | DALLAS | 39.87% |
| CITIZENS STATE BANK | MILES | 39.86% |
| WEST TEXAS NATIONAL BANK | MIDLAND | 39.16% |
| FALLS CITY NATIONAL BANK | FALLS CITY | 38.89% |
| FIRST NB OF BURLESON | BURLESON | 38.86% |
| SCHERTZ BANK&TRUST | SCHERTZ | 38.72% |
| TEXAS COMMUNITY BANK | LAREDO | 38.70% |
| NEWFIRST NATIONAL BANK | EL CAMPO | 38.01% |
| WEST TEXAS STATE BANK | SNYDER | 37.80% |
| HILL BANK&TRUST CO | WEIMAR | 35.44% |
| FIRST NB OF MERTZON | MERTZON | 34.79% |
| GOLDEN BANK NATIONAL ASSN | HOUSTON | 34.65% |
| INTERNATIONAL BK OF COM | BROWNSVILLE | 34.30% |
| INTERNATIONAL BK OF COM | LAREDO | 34.00% |
| CHARLES SCHWAB BANK SSB | WESTLAKE | 33.63% |
| TITAN BANK N A | MINERAL WELLS | 31.59% |
| BANK OF TEXAS | MIDLAND | 31.22% |
| COMMERCE BANK | LAREDO | 30.18% |
| FIRST NB OF STANTON | STANTON | 28.57% |
| CHARLES SCHWAB TRUST BANK | WESTLAKE | 27.00% |
| WELLS FARGO BANK S CNTL NA | HOUSTON | 21.17% |
| CHARLES SCHWAB PREMIER BK SS | WESTLAKE | 18.42% |
| STATE BANK OF TEXAS | IRVING | 18.18% |
| INDUSTRY STATE BANK | INDUSTRY | 12.00% |
| BEAL BANK | PLANO | 10.52% |