TEJAS BANK

MONAHANS, TX | Small | RSSD #857455
Latest Report: 2025-12-31

TEJAS BANK is asn small FDIC-insured commercial bank headquartered in MONAHANS, TX. As of 2025-12-31, the bank reported total assets of $239M and total deposits of $210M. Profitability stands at -6.65% ROA and -62.86% ROE, with a net interest margin of 5.26%. The bank's CET1 capital ratio is 15.45%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.01% and a Texas Ratio of 0.05%.

Assets

$239M

Deposits

$210M

Loans

$130M

Equity

$24M

Profitability

Return on Assets (ROA) -6.65%
Return on Equity (ROE) -62.86%
Net Interest Margin (NIM) 5.26%
Yield on Assets 5.75%
Cost of Funds 0.50%

Asset Quality

NPL Ratio 0.01%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.05%
NPA Ratio 0.01%
ACL / Loans 1.57%

Capital & Liquidity

CET1 Ratio 15.45%
Tier 1 Capital 15.45%
Total Capital Ratio 16.70%
Leverage Ratio 9.72%
Loan-to-Deposit 61.69%

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