BANK AND TRUST, SSB, THE

DEL RIO, TX | Medium | Est. Jan. 1, 1910, midnight | FDIC #1184 | RSSD #623454 | FED
Latest Report: 2025-12-31

BANK AND TRUST, SSB, THE is amn medium FDIC-insured commercial bank headquartered in DEL RIO, TX, established in Jan. 1, 1910, midnight. As of 2025-12-31, the bank reported total assets of $585M and total deposits of $531M. Profitability stands at 1.72% ROA and 20.68% ROE, with a net interest margin of 4.50%. The bank's CET1 capital ratio is 17.70%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.06% and a Texas Ratio of 0.42%. FDIC Certificate #1184.

Assets

$585M

Deposits

$531M

Loans

$373M

Equity

$49M

Profitability

Return on Assets (ROA) 1.72%
Return on Equity (ROE) 20.68%
Net Interest Margin (NIM) 4.50%
Yield on Assets 5.46%
Cost of Funds 0.98%

Asset Quality

NPL Ratio 0.06%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.42%
NPA Ratio 0.04%
ACL / Loans 1.15%

Capital & Liquidity

CET1 Ratio 17.70%
Tier 1 Capital 17.70%
Total Capital Ratio 18.95%
Leverage Ratio 9.61%
Loan-to-Deposit 70.24%

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