Texas Bank and Trust Company
Texas Bank and Trust Company reported total assets of $4.3 bn at Q2 2026, down 0.1% on a year earlier, the 314th largest of 497 banks in our US coverage. The CET1 capital ratio at Texas Bank and Trust Company was 15.85%, and the uninsured share of Texas Bank and Trust Company was 47.26%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, Texas Bank and Trust Company slipped from 124th to 251st among 500 US banks between and (1 = lowest; FDIC Call Reports).
What sets Texas Bank and Trust Company apart
How large is Texas Bank and Trust Company?
The balance sheet of Texas Bank and Trust Company at : assets $4.3 bn, deposits $3.8 bn, net loans $3.4 bn (loans equal to 90.41% of deposits). Securities make up 9.9% of total assets at Texas Bank and Trust Company. Since , when Texas Bank and Trust Company held $2.3 bn, its assets grew 91.7%. In the year to , deposits at Texas Bank and Trust Company fell 1.2% while its total assets fell 0.1%. At , Texas Bank and Trust Company employed 509 full-time equivalent staff across 22 offices, about $8.5 mn of assets per employee and $170.5 mn of deposits per office.
How much funding at Texas Bank and Trust Company is uninsured?
At Texas Bank and Trust Company, uninsured deposits (above the FDIC limit) made up 47.26% of domestic deposits at (+1.30 pp on a year earlier); Texas Bank and Trust Company ranks 108th of 500 on this measure. In dollars, Texas Bank and Trust Company estimated $1.8 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $3.8 bn | -1.2% | 300th of 499 |
| Net loans and leases | $3.4 bn | -1.7% | 293rd of 500 |
| Loan-to-deposit ratio | 90.41% | -0.45 pp | 182nd of 500 |
| Tier 1 leverage ratio | 13.10% | +1.44 pp | 54th of 500 |
| Total risk-based capital ratio | 17.10% | +1.79 pp | 87th of 448 |
| Net interest margin | 3.75% | +0.55 pp | 218th of 500 |
| Return on assets (ROA) | 1.54% | +0.37 pp | 144th of 500 |
| Efficiency ratio | 54.69% | -5.59 pp | 220th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $30.8 mn | Narrowed by $9.4 mn | |
| Noncurrent loans to total loans | 0.61% | +0.32 pp | 251st of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.01% | -0.06 pp | 90th of 500 (1 = lowest) |
US rank of Texas Bank and Trust Company: 1 = highest unless marked 1 = lowest.
Balance sheet
Texas Bank and Trust Company: assets, deposits and loans
- Total assets $4.3bn
- Deposits $3.8bn
- Net loans $3.4bn
Capital and securities
The CET1 ratio of Texas Bank and Trust Company stood at 15.85% in , +1.79 pp year on year. Low and high at Texas Bank and Trust Company since : 11.36% () to 15.85% (). Equity capital of Texas Bank and Trust Company at : $559.9 mn, or 12.9% of total assets. Texas Bank and Trust Company also reported a total capital ratio of 17.10% for , and a tier 1 leverage ratio of 13.10%.
The available-for-sale portfolio of Texas Bank and Trust Company showed an unrealized loss of $30.8 mn at ; the loss narrowed by $9.4 mn over the year.
Texas Bank and Trust Company: capital ratios
- Total capital 17%
- CET1 16%
- Tier 1 leverage 13%
Texas Bank and Trust Company: unrealized securities gains and losses
- Available for sale -$31mn
- Held to maturity $0
Profitability and loan quality
For the year to , Texas Bank and Trust Company earned a return on equity of 12.39%; return on assets: 1.54%. Net interest margin at Texas Bank and Trust Company: 3.75%, +0.55 pp in a year. Texas Bank and Trust Company net income: $33.7 mn, up 32.6% year on year. The efficiency ratio of Texas Bank and Trust Company was 54.69%: about 55 cents cost per revenue dollar, against 60 cents at the median peer.
At , noncurrent loans were 0.61% of total loans at Texas Bank and Trust Company; net charge-offs: 0.01% of average loans. Gross loans and leases at Texas Bank and Trust Company: $3.4 bn, down 1.7% in a year.
Texas Bank and Trust Company: profitability
- Return on equity 12%
- Net interest margin 3.7%
- Return on assets 1.5%
Peer group of Texas Bank and Trust Company
The peer group of Texas Bank and Trust Company is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 3 share the charter type of Texas Bank and Trust Company (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Texas. Against them, Texas Bank and Trust Company shows CET1 ratio 15.85% against a peer median of 11.76%, return on equity 12.39% against a peer median of 13.14% and uninsured deposit share 47.26% against a peer median of 43.15%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| American Business Bank | State nonmember bank | CA | $4.4 bn | 12.35% | 15.17% | 75.74% | |
| First Business Bank | State nonmember bank | WI | $4.4 bn | 11.17% | 13.89% | 33.17% | |
| Sunwest Bank | State nonmember bank | UT | $4.4 bn | 10.40% | 17.39% | 53.14% | |
| Texas Bank and Trust Company | State nonmember bank | TX | $4.3 bn | 15.85% | 12.39% | 47.26% | |
| Primis Bank | State member bank | VA | $4.3 bn | 10.63% | 9.10% | 22.93% | |
| NATIONAL COOPERATIVE BANK | National bank | OH | $4.3 bn | 14.05% | 12.40% | 56.73% | |
| Civista Bank | State member bank | OH | $4.3 bn | 16.39% | 9.91% | 18.30% | |
. FDIC Call Reports.
Last eight quarters
Two years at Texas Bank and Trust Company, to : assets -2.7%, deposits -0.9%, equity +19.8%. Staff 531 to 509.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $4.5 bn | $4.4 bn | $4.4 bn | $4.3 bn | $4.4 bn | $4.4 bn | $4.5 bn | $4.3 bn |
| Total deposits | $3.8 bn | $3.8 bn | $3.9 bn | $3.8 bn | $3.8 bn | $3.8 bn | $3.9 bn | $3.8 bn |
| Bank equity capital | $467.4 mn | $467.1 mn | $479.5 mn | $497.0 mn | $512.8 mn | $532.9 mn | $540.1 mn | $559.9 mn |
| CET1 ratio | 12.92% | 13.42% | 13.60% | 14.06% | 14.39% | 15.17% | 15.83% | 15.85% |
| Return on equity (ROE) | 9.34% | 9.64% | 9.65% | 10.57% | 11.20% | 11.63% | 11.87% | 12.39% |
| Uninsured share of domestic deposits | 43.92% | 47.06% | 45.97% | 45.95% | 46.24% | 47.23% | 48.80% | 47.26% |
| Full-time equivalent employees | 531 | 529 | 524 | 529 | 514 | 522 | 510 | 509 |
| Number of offices | 22 | 22 | 22 | 22 | 22 | 22 | 22 | 22 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Texas Bank and Trust Company appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Texas Bank and Trust Company?
Texas Bank and Trust Company reported $4.3 bn at in its Call Report. That makes Texas Bank and Trust Company the 314th largest of 497 banks in our US coverage.
Is Texas Bank and Trust Company the same as its holding company?
No. This page covers Texas Bank and Trust Company, FDIC certificate 17842; RJ POPE MANAGEMENT GP LLC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Texas Bank and Trust Company profitable?
Texas Bank and Trust Company reported net income of $33.7 mn for the year to ; annualized return on equity: 12.39%. So yes: Texas Bank and Trust Company made a profit over these months.
When is data for Texas Bank and Trust Company next updated?
Figures from Texas Bank and Trust Company for are due after .
Where can I check the figures for Texas Bank and Trust Company?
In the FDIC BankFind Suite record for certificate 17842, and in the Call Reports of Texas Bank and Trust Company (RSSD ID 949154) at the FFIEC Central Data Repository.