BANK OF SOUTH TEXAS

MCALLEN, TX | Small | Est. July 8, 1986, midnight | FDIC #26727 | RSSD #49858 | FDIC
Latest Report: 2025-12-31

BANK OF SOUTH TEXAS is asn small FDIC-insured commercial bank headquartered in MCALLEN, TX, established in July 8, 1986, midnight. As of 2025-12-31, the bank reported total assets of $168M and total deposits of $135M. Profitability stands at 1.44% ROA and 7.75% ROE, with a net interest margin of 6.99%. The bank's CET1 capital ratio is 14.90%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.25% and a Texas Ratio of 0.90%. FDIC Certificate #26727.

Assets

$168M

Deposits

$135M

Loans

$116M

Equity

$31M

Profitability

Return on Assets (ROA) 1.44%
Return on Equity (ROE) 7.75%
Net Interest Margin (NIM) 6.99%
Yield on Assets 8.61%
Cost of Funds 1.86%

Asset Quality

NPL Ratio 0.25%
Net Charge-Off Ratio --
Texas Ratio 0.90%
NPA Ratio 0.17%
ACL / Loans 1.24%

Capital & Liquidity

CET1 Ratio 14.90%
Tier 1 Capital 14.90%
Total Capital Ratio 15.65%
Leverage Ratio 16.88%
Loan-to-Deposit 85.70%

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