BanksGREATER STATE BANK

GREATER STATE BANK

MCALLEN, TXSmallEst. Jan. 1, 1974, midnightFDIC #31762RSSD #518877FDIC
Latest · 2025-12-31

GREATER STATE BANK is an FDIC-insured commercial bank headquartered in MCALLEN, TX, established in Jan. 1, 1974, midnight. As of 2025-12-31, the bank reported total assets of $177M and total deposits of $157M. Profitability stands at 1.41% ROA and 13.52% ROE, with a net interest margin of 6.25%. CET1 capital ratio: 14.30%, well above regulatory minimums. NPL ratio: 0.03% · Texas Ratio: 0.20%. Operates 5 domestic branches.

Assets
$177M
Deposits
$157M
Loans
$135M
Equity
$19M

Profitability

Return on Assets (ROA)1.41%
Return on Equity (ROE)13.52%
Net Interest Margin6.25%
Yield on Assets7.77%
Cost of Funds1.58%

Asset Quality

NPL Ratio0.03%
Net Charge-Off Ratio0.03%
Texas Ratio0.20%
NPA Ratio0.02%
ACL / Loans1.13%

Capital & Liquidity

CET1 Ratio14.30%
Tier 1 Capital14.30%
Total Capital Ratio15.55%
Leverage Ratio10.46%
Loan-to-Deposit85.81%

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