Texas Regional Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at Texas Regional Bank. Its balance sheet stood at $2.9 billion at June 30, 2026, up 2.2% from a year earlier; it is based in Harlingen, Texas. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.59% of loans from 0.15% a year earlier. It earns about $0.58 a year on every $100 of assets, about half the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also spends about 83 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 58 cents).
Earnings jumped: net income for the quarter was $4.5 million, 72% above the same quarter a year earlier. Over the same year, loans grew 12.5% and deposits shrank 0.2%. Where it has less room is capital: it funds 8.77% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.52%).
As of June 30, 2026, Texas Regional Bank reported a CET1 capital ratio of 12.06%, a return on assets of 0.58%, a nonperforming-loan ratio of 0.60% and a Texas ratio of 8.34%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 6770 West Interstate 2, Harlingen, TX 78552
- County
- Cameron
- Metro Area
- Brownsville-Harlingen, TX
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- March 5, 1987
- Offices
- 39 domestic
- Employees (FTE)
- 589
- Domestic deposits
- $2.48B
- Allowance for credit losses
- $20.6M
- Net charge-offs (YTD)
- $626K
- Average total assets
- $3.10B
- Average total loans
- $1.78B
- Average interest-bearing deposits
- $1.70B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- March 5, 1987
- FDIC Cert
- 26906
- Fed RSSD
- 380458
- SEC CIK
- 1485199 → filed by TEXAS STATE BANKSHARES, INC.
- Website
- www.trb.bank →
- Parent Holding Company
- TEXAS STATE BANKSHARES, INC. (RSSD 4076937)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Texas Regional Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Texas Regional Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Texas Regional Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Texas Regional Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.06% | 0.58% | 0.60% | 8.34% | 3.73% |
| Q1 2026 | 12.24% | -0.01% | 1.19% | 9.20% | 3.44% |
| Q4 2025 | 12.67% | 0.76% | 0.16% | 1.27% | 3.56% |
| Q3 2025 | 12.64% | 0.70% | 0.19% | 1.11% | 3.51% |
| Q2 2025 | 12.62% | 0.35% | 0.16% | 1.23% | 3.49% |
| Q1 2025 | 13.29% | 0.22% | 0.18% | 1.32% | 3.22% |
| Q4 2024 | 13.66% | 0.09% | 0.19% | 1.30% | 3.30% |
| Q3 2024 | 13.87% | 0.34% | 0.38% | 2.66% | 3.17% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 36 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Texas Regional Bank (main office) | Harlingen , TX | 78552 | $357.8M |
| Mccoll Banking Center Branch | Mcallen , TX | 78503 | $295.2M |
| Harlingen Branch | Harlingen , TX | 78550 | $211.6M |
| Accessbank Texas Branch | Denton , TX | 76201 | $165.7M |
| Mission Banking Center Branch | Mission , TX | 78572 | $124.6M |
| Blanco Branch | Blanco , TX | 78606 | $115.7M |
| Mcallen Banking Center Branch | Mcallen , TX | 78504 | $110.7M |
| Boca Chica Branch | Brownsville , TX | 78521 | $95.2M |
| Edinburg Jackson Road | Edinburg , TX | 78539 | $84.6M |
| Dripping Springs Branch | Dripping Springs , TX | 78620 | $83.1M |
| Brownsville Banking Center Branch | Brownsville , TX | 78526 | $81.8M |
| Bulverde Branch | Spring Branch , TX | 78070 | $72.5M |
| Accessbank Texas Krum Branch | Krum , TX | 76249 | $64.3M |
| Weslaco Banking Center Branch | Weslaco , TX | 78596 | $63.1M |
| Old Preston National Bank Branch | Dallas , TX | 75240 | $57.4M |
| San Marcos Branch | San Marcos , TX | 78666 | $51.3M |
| Fredericksburg Branch | Fredericksburg , TX | 78624 | $51.1M |
| Edinburg Banking Center Branch | Edinburg , TX | 78539 | $49.6M |
| Lakeway Branch | Bee Cave , TX | 78738 | $47.6M |
| Houston Memorial Branch | Houston , TX | 77024 | $47.3M |
| Wimberley Branch | Wimberley , TX | 78676 | $38.9M |
| Falfurrias Banking Center Branch | Falfurrias , TX | 78355 | $30.1M |
| San Antonio Branch | San Antonio , TX | 78258 | $24.0M |
| Johnson City | Johnson City , TX | 78636 | $22.8M |
| 23rd Street Banking Center Branch | Mcallen , TX | 78504 | $18.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 1, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2022 | Structure Change | Acquired AccessBank Texas Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 25, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 25, 2017 | Structure Change | Acquired The Blanco National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 16, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 16, 2013 | Structure Change | Acquired Border Capital Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
What the public regulatory sources show for Texas Regional Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in TX, rank 57 of 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 463 applications, 364 loans originated, $166.1M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $1.7M approved, $1.7M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2018 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Texas Regional Bank
What are Texas Regional Bank's total assets?
As of the Q2 2026 filing, Texas Regional Bank reported total assets of $2.95 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Texas Regional Bank headquartered?
Texas Regional Bank is headquartered in Harlingen, TX, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Texas Regional Bank founded?
Texas Regional Bank was established in 1987, per the FDIC institution directory.
Is Texas Regional Bank FDIC-insured?
Yes. Texas Regional Bank is an FDIC-insured commercial bank (FDIC Certificate #26906). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Texas Regional Bank?
Texas Regional Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Texas Regional Bank's CET1 capital ratio?
Texas Regional Bank reported a Common Equity Tier 1 (CET1) capital ratio of 12.06% in its Q2 2026 call report, above regulatory requirements.
How many branches does Texas Regional Bank operate?
Texas Regional Bank operates 39 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Texas Regional Bank's Texas Ratio?
Texas Regional Bank's Texas Ratio is 8.34% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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