Texas Regional Bank
Texas Regional Bank reported total assets of $2.9 bn at Q2 2026, up 2.2% on a year earlier, the 427th largest of 497 banks in our US coverage. The CET1 capital ratio at Texas Regional Bank was 12.06%, and the uninsured share of Texas Regional Bank was 53.69%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, Texas Regional Bank slipped from 58th to 239th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Texas Regional Bank has one of the highest efficiency ratio readings among banks of $1 bn to $10 bn: 87.02% at , against a median of 56.87% across 339 banks (FDIC Call Reports).
- The return on assets (ROA) of Texas Regional Bank, 0.30% at , places Texas Regional Bank in the bottom tenth of banks of $1 bn to $10 bn (group median 1.32%; FDIC Call Reports).
What sets Texas Regional Bank apart
- Among the 339 banks of $1 bn to $10 bn, few report a lower return on equity (ROE) than Texas Regional Bank, at 3.26% in ; the group median is 12.68%.
- Texas Regional Bank reports one of the lowest tier 1 leverage ratio readings among banks of $1 bn to $10 bn: 8.77% at , where the median of the 339 banks is 10.45%.
- Since , Texas Regional Bank has taken over 2 institutions; the latest was AccessBank Texas on .
How large is Texas Regional Bank?
The balance sheet of Texas Regional Bank at : assets $2.9 bn, deposits $2.5 bn, net loans $1.8 bn (loans equal to 71.57% of deposits). Securities make up 24.4% of total assets at Texas Regional Bank. Since , when Texas Regional Bank held $596.0 mn, its assets grew 394.9%. In the year to , deposits at Texas Regional Bank fell 0.2% while its total assets rose 2.2%. At , Texas Regional Bank employed 589 full-time equivalent staff across 37 offices, about $5.0 mn of assets per employee and $67.1 mn of deposits per office.
How much funding at Texas Regional Bank is uninsured?
At Texas Regional Bank, uninsured deposits (above the FDIC limit) made up 53.69% of domestic deposits at (+5.30 pp on a year earlier); Texas Regional Bank ranks 56th of 500 on this measure. In dollars, Texas Regional Bank estimated $1.3 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.5 bn | -0.2% | 424th of 499 |
| Net loans and leases | $1.8 bn | +12.4% | 464th of 500 |
| Loan-to-deposit ratio | 71.57% | +8.01 pp | 412th of 500 |
| Tier 1 leverage ratio | 8.77% | +0.10 pp | 451st of 500 |
| Total risk-based capital ratio | 13.08% | -0.44 pp | 351st of 448 |
| Net interest margin | 3.68% | +0.22 pp | 236th of 500 |
| Return on assets (ROA) | 0.30% | 0.00 pp | 488th of 500 |
| Efficiency ratio | 87.02% | -0.40 pp | 492nd of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $137,000 | Narrowed by $75,000 | |
| Unrealized gain/loss on available-for-sale securities | Loss of $66.7 mn | Narrowed by $21.8 mn | |
| Noncurrent loans to total loans | 0.59% | +0.44 pp | 239th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.07% | +0.04 pp | 225th of 500 (1 = lowest) |
US rank of Texas Regional Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Texas Regional Bank: assets, deposits and loans
- Total assets $2.9bn
- Deposits $2.5bn
- Net loans $1.8bn
Capital and securities
The CET1 ratio of Texas Regional Bank stood at 12.06% in , -0.56 pp year on year. Low and high at Texas Regional Bank since : 11.29% () to 14.62% (). Equity capital of Texas Regional Bank at : $271.2 mn, or 9.2% of total assets. Texas Regional Bank also reported a total capital ratio of 13.08% for , and a tier 1 leverage ratio of 8.77%.
On held-to-maturity securities, Texas Regional Bank carried an unrealized loss of $137,000 at , equal to 0.1% of equity capital. The loss narrowed by $75,000 over the year. Its deepest point: $446,000 in . The available-for-sale portfolio of Texas Regional Bank showed an unrealized loss of $66.7 mn at ; the loss narrowed by $21.8 mn over the year.
Texas Regional Bank: capital ratios
- Total capital 13%
- CET1 12%
- Tier 1 leverage 8.8%
Texas Regional Bank: unrealized securities gains and losses
- Available for sale -$67mn
- Held to maturity -$137,000
Profitability and loan quality
For the year to , Texas Regional Bank earned a return on equity of 3.26%; return on assets: 0.30%. Net interest margin at Texas Regional Bank: 3.68%, +0.22 pp in a year. Texas Regional Bank net income: $4.4 mn, up 4.3% year on year. The efficiency ratio of Texas Regional Bank was 87.02%: about 87 cents cost per revenue dollar, against 59 cents at the median peer.
At , noncurrent loans were 0.59% of total loans at Texas Regional Bank; net charge-offs: 0.07% of average loans. Gross loans and leases at Texas Regional Bank: $1.8 bn, up 12.5% in a year.
Texas Regional Bank: profitability
- Return on equity 3.3%
- Net interest margin 3.7%
- Return on assets 0.3%
Peer group of Texas Regional Bank
The peer group of Texas Regional 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 Regional Bank (state member bank), 6 sit in the same size group ($1 bn to $10 bn) and 1 has its head office in Texas. Against them, Texas Regional Bank shows CET1 ratio 12.06% against a peer median of 13.15%, return on equity 3.26% against a peer median of 13.11% and uninsured deposit share 53.69% against a peer median of 34.74%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| First Fidelity Bank | State member bank | OK | $3.0 bn | not reported | 13.65% | 26.88% | |
| The Fidelity Deposit and Discount Bank | State nonmember bank | PA | $3.0 bn | 13.16% | 13.23% | 42.59% | |
| TIB | National bank | TX | $3.0 bn | 20.49% | 12.99% | 91.45% | |
| Texas Regional Bank | State member bank | TX | $2.9 bn | 12.06% | 3.26% | 53.69% | |
| West Coast Community Bank | State nonmember bank | CA | $2.9 bn | 13.15% | 15.04% | 56.26% | |
| First Federal Savings and Loan Association of Lakewood | Federal savings bank | OH | $2.9 bn | 11.93% | 7.30% | 19.13% | |
| Minnwest Bank | State nonmember bank | MN | $2.9 bn | 12.08% | 10.26% | 26.40% | |
. FDIC Call Reports.
Last eight quarters
Two years at Texas Regional Bank, to : assets +8.6%, deposits +1.8%, equity +12.4%. Staff 464 to 589; offices 33 to 37.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.7 bn | $2.7 bn | $2.8 bn | $2.9 bn | $2.9 bn | $2.9 bn | $3.0 bn | $2.9 bn |
| Total deposits | $2.4 bn | $2.4 bn | $2.5 bn | $2.5 bn | $2.6 bn | $2.6 bn | $2.5 bn | $2.5 bn |
| Bank equity capital | $241.4 mn | $238.9 mn | $238.9 mn | $237.9 mn | $254.8 mn | $265.7 mn | $264.3 mn | $271.2 mn |
| CET1 ratio | 13.87% | 13.66% | 13.29% | 12.62% | 12.64% | 12.67% | 12.24% | 12.06% |
| Return on equity (ROE) | 4.65% | 3.72% | 2.66% | 3.50% | 5.18% | 6.19% | -0.14% | 3.26% |
| Uninsured share of domestic deposits | 42.95% | 43.88% | 45.49% | 48.39% | 45.72% | 51.09% | 50.46% | 53.69% |
| Full-time equivalent employees | 464 | 550 | 564 | 581 | 600 | 597 | 590 | 589 |
| Number of offices | 33 | 34 | 35 | 35 | 35 | 36 | 37 | 37 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Texas Regional Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed The Blanco National Bank (FDIC certificate 3105).
- . Absorbed AccessBank Texas (FDIC certificate 58562).
Large one-quarter moves at Texas Regional Bank
- Total assets at Texas Regional Bank changed by +32.3% in the quarter to 2017-03-31: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from The Blanco National Bank.
Questions and identifiers
What were the total assets of Texas Regional Bank?
Texas Regional Bank reported $2.9 bn at in its Call Report. That makes Texas Regional Bank the 427th largest of 497 banks in our US coverage.
Is Texas Regional Bank the same as its holding company?
No. This page covers Texas Regional Bank, FDIC certificate 26906; TEXAS STATE BANKSHARES INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Texas Regional Bank profitable?
Texas Regional Bank reported net income of $4.4 mn for the year to ; annualized return on equity: 3.26%. So yes: Texas Regional Bank made a profit over these months.
When is data for Texas Regional Bank next updated?
Figures from Texas Regional Bank for are due after .
Where can I check the figures for Texas Regional Bank?
In the FDIC BankFind Suite record for certificate 26906, and in the Call Reports of Texas Regional Bank (RSSD ID 380458) at the FFIEC Central Data Repository.