Texas Partners Bank (merged into Prosperity Bank)
Texas Partners Bank reported total assets of $2.4 bn at Q4 2025, its last Call Report before it merged into Prosperity Bank. The CET1 capital ratio at Texas Partners Bank was 11.30%, and the uninsured share of Texas Partners Bank was 57.36%. Source: FDIC Call Reports.
Key takeaways
- Since , Texas Partners Bank has taken over 2 institutions; the latest was Texas Hill Country Bank on (FDIC Call Reports).
What sets Texas Partners Bank apart
How large is Texas Partners Bank?
The balance sheet of Texas Partners Bank at : assets $2.4 bn, deposits $2.2 bn, net loans $1.9 bn (loans equal to 87.60% of deposits). Securities make up 8.9% of total assets at Texas Partners Bank. Since , when Texas Partners Bank held $563.5 mn, its assets grew 330.5%. In the year to , deposits at Texas Partners Bank fell 3.6% while its total assets fell 2.3%. At , Texas Partners Bank employed 216 full-time equivalent staff across 10 offices, about $11.2 mn of assets per employee and $219.0 mn of deposits per office.
How much funding at Texas Partners Bank is uninsured?
At Texas Partners Bank, uninsured deposits (above the FDIC limit) made up 57.36% of domestic deposits at (+3.34 pp on a year earlier). In dollars, Texas Partners Bank estimated $1.3 bn of uninsured deposits.
Key facts, Q4 2025
| Metric | Value | A year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.2 bn | $2.3 bn (Q4 2024) | |
| Net loans and leases | $1.9 bn | $1.9 bn (Q4 2024) | |
| Loan-to-deposit ratio | 87.60% | 83.61% (Q4 2024) | |
| Tier 1 leverage ratio | 9.32% | 8.84% (Q4 2024) | |
| Total risk-based capital ratio | 12.41% | 11.58% (Q4 2024) | |
| Net interest margin | 3.44% | 2.85% (Q4 2024) | |
| Return on assets (ROA) | 1.06% | 0.61% (Q4 2024) | |
| Efficiency ratio | 61.04% | 61.78% (Q4 2024) | |
| Unrealized gain/loss on held-to-maturity securities | Loss of $4.4 mn | Narrowed by $1.7 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $24.4 mn | Narrowed by $7.3 mn | |
| Noncurrent loans to total loans | 0.04% | 1.29% (Q4 2024) | |
| Net charge-offs to average loans | 0.05% | 0.00% (Q4 2024) |
US rank of Texas Partners Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Texas Partners Bank: assets, deposits and loans
- Total assets $2.4bn
- Deposits $2.2bn
- Net loans $1.9bn
Capital and securities
The CET1 ratio of Texas Partners Bank stood at 11.30% in , +0.77 pp year on year. Low and high at Texas Partners Bank since : 9.49% () to 12.20% (). Equity capital of Texas Partners Bank at : $221.6 mn, or 9.1% of total assets. Texas Partners Bank also reported a total capital ratio of 12.41% for , and a tier 1 leverage ratio of 9.32%.
On held-to-maturity securities, Texas Partners Bank carried an unrealized loss of $4.4 mn at , equal to 2.0% of equity capital. The loss narrowed by $1.7 mn over the year. Its deepest point: $7.7 mn in . The available-for-sale portfolio of Texas Partners Bank showed an unrealized loss of $24.4 mn at ; the loss narrowed by $7.3 mn over the year.
Texas Partners Bank: capital ratios
- Total capital 12%
- CET1 11%
- Tier 1 leverage 9.3%
Texas Partners Bank: unrealized securities gains and losses
- Available for sale -$24mn
- Held to maturity -$4mn
Profitability and loan quality
For the year to , Texas Partners Bank earned a return on equity of 12.45%; return on assets: 1.06%. Net interest margin at Texas Partners Bank: 3.44%, +0.59 pp in a year. Texas Partners Bank net income: $26.0 mn, up 84.0% year on year. The efficiency ratio of Texas Partners Bank was 61.04%: about 61 cents cost per revenue dollar, against 59 cents at the median peer.
At , noncurrent loans were 0.04% of total loans at Texas Partners Bank; net charge-offs: 0.05% of average loans. Gross loans and leases at Texas Partners Bank: $1.9 bn at , against $1.9 bn at .
Texas Partners Bank: profitability
- Return on equity 12%
- Net interest margin 3.4%
- Return on assets 1.1%
Peer group of Texas Partners Bank
The peer group of Texas Partners Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of Texas Partners Bank (state nonmember bank) and 2 have head offices in Texas. Against them, Texas Partners Bank shows CET1 ratio 11.30% against a peer median of 12.52%, return on equity 12.45% against a peer median of 13.02% and uninsured deposit share 57.36% against a peer median of 38.48%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Community National Bank & Trust | National bank | KS | $2.5 bn | 12.82% | 11.68% | 17.24% | |
| American National Bank & Trust | National bank | TX | $2.4 bn | 12.54% | 8.92% | 40.76% | |
| Wayne Bank | State nonmember bank | PA | $2.4 bn | 11.04% | 13.51% | 39.58% | |
| Texas Partners Bank | State nonmember bank | TX | $2.4 bn | 11.30% | 12.45% | 57.36% | |
| First Savings Bank | State member bank | IN | $2.4 bn | 11.90% | 12.54% | 37.39% | |
| Horizon Bank, SSB | State-chartered stock savings bank | TX | $2.3 bn | 12.51% | 19.46% | 51.03% | |
| Esquire Bank | National bank | NY | $2.3 bn | 14.18% | 23.88% | 33.58% | |
. FDIC Call Reports.
Last eight quarters
Two years at Texas Partners Bank, to : assets $2.2 bn to $2.4 bn, deposits $2.0 bn to $2.2 bn, equity $182.6 mn to $221.6 mn. Staff 233 to 216; offices 11 to 10.
| Metric | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.2 bn | $2.3 bn | $2.3 bn | $2.5 bn | $2.4 bn | $2.4 bn | $2.5 bn | $2.4 bn |
| Total deposits | $2.0 bn | $2.0 bn | $2.1 bn | $2.3 bn | $2.2 bn | $2.1 bn | $2.3 bn | $2.2 bn |
| Bank equity capital | $182.6 mn | $194.5 mn | $196.9 mn | $196.0 mn | $204.1 mn | $211.1 mn | $212.3 mn | $221.6 mn |
| CET1 ratio | 10.68% | 10.74% | 10.58% | 10.53% | 11.00% | 11.08% | 10.92% | 11.30% |
| Return on equity (ROE) | 4.59% | 5.69% | 6.93% | 7.43% | 10.68% | 11.28% | 11.83% | 12.45% |
| Uninsured share of domestic deposits | 50.49% | 53.54% | 52.37% | 54.02% | 54.76% | 54.73% | 56.00% | 57.36% |
| Full-time equivalent employees | 233 | 227 | 222 | 219 | 229 | 236 | 231 | 216 |
| Number of offices | 11 | 11 | 11 | 11 | 10 | 10 | 10 | 10 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Texas Partners Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed The Bank of Austin (FDIC certificate 59104).
- . Absorbed Texas Hill Country Bank (FDIC certificate 58932).
- . Merged into Prosperity Bank (FDIC certificate 16835).
Large one-quarter moves at Texas Partners Bank
- Total assets at Texas Partners Bank changed by +47.5% in the quarter to 2020-12-31: Affiliated Institution Merger (Pooling) (i.e. Corporate Reorganization; Participated in Absorbtion/Consolidation/Merger: acquired from Texas Hill Country Bank, The Bank of Austin.
Questions and identifiers
What were the total assets of Texas Partners Bank?
Texas Partners Bank reported $2.4 bn at in its Call Report.
Is Texas Partners Bank the same as its holding company?
No. This page covers Texas Partners Bank, FDIC certificate 58581; SOUTHWEST BANCSHARES INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Texas Partners Bank profitable?
Texas Partners Bank reported net income of $26.0 mn for the year to ; annualized return on equity: 12.45%. So yes: Texas Partners Bank made a profit over these months.
When is data for Texas Partners Bank next updated?
Texas Partners Bank no longer files Call Reports; its data ends at .
Where can I check the figures for Texas Partners Bank?
In the FDIC BankFind Suite record for certificate 58581, and in the Call Reports of Texas Partners Bank (RSSD ID 3548567) at the FFIEC Central Data Repository.