BRIDGE CITY STATE BANK

BRIDGE CITY, TX | Small | Est. Feb. 27, 1960, midnight | FDIC #18155 | RSSD #43959 | FDIC
Latest Report: 2025-12-31

BRIDGE CITY STATE BANK is asn small FDIC-insured commercial bank headquartered in BRIDGE CITY, TX, established in Feb. 27, 1960, midnight. As of 2025-12-31, the bank reported total assets of $261M and total deposits of $215M. Profitability stands at 1.27% ROA and 16.54% ROE, with a net interest margin of 3.73%. The bank's CET1 capital ratio is 19.58%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.11% and a Texas Ratio of 0.66%. FDIC Certificate #18155.

Assets

$261M

Deposits

$215M

Loans

$128M

Equity

$21M

Profitability

Return on Assets (ROA) 1.27%
Return on Equity (ROE) 16.54%
Net Interest Margin (NIM) 3.73%
Yield on Assets 5.18%
Cost of Funds 1.46%

Asset Quality

NPL Ratio 0.11%
Net Charge-Off Ratio 0.08%
Texas Ratio 0.66%
NPA Ratio 0.06%
ACL / Loans 1.02%

Capital & Liquidity

CET1 Ratio 19.58%
Tier 1 Capital 19.58%
Total Capital Ratio 20.45%
Leverage Ratio 11.06%
Loan-to-Deposit 59.61%

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