PRODUCER BANK OF TEXAS

POWELL, TX | Micro | Est. Jan. 1, 1910, midnight | FDIC #18302 | RSSD #856869 | FDIC
Latest Report: 2025-12-31

PRODUCER BANK OF TEXAS is amn micro FDIC-insured commercial bank headquartered in POWELL, TX, established in Jan. 1, 1910, midnight. As of 2025-12-31, the bank reported total assets of $54M and total deposits of $38M. Profitability stands at 0.01% ROA and 0.03% ROE, with a net interest margin of 4.10%. The bank's CET1 capital ratio is 16.96%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.83% and a Texas Ratio of 2.57%. FDIC Certificate #18302.

Assets

$54M

Deposits

$38M

Loans

$20M

Equity

$14M

Profitability

Return on Assets (ROA) 0.01%
Return on Equity (ROE) 0.03%
Net Interest Margin (NIM) 4.10%
Yield on Assets 5.77%
Cost of Funds 3.27%

Asset Quality

NPL Ratio 0.83%
Net Charge-Off Ratio 3.45%
Texas Ratio 2.57%
NPA Ratio 0.72%
ACL / Loans 4.18%

Capital & Liquidity

CET1 Ratio 16.96%
Tier 1 Capital 16.96%
Total Capital Ratio 17.81%
Leverage Ratio 21.42%
Loan-to-Deposit 53.39%

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