BANK OF TEXAS

MIDLAND, TX | Medium | Est. Aug. 4, 1962, midnight | FDIC #18576 | RSSD #925653 | FED
Latest Report: 2025-12-31

BANK OF TEXAS is amn medium FDIC-insured commercial bank headquartered in MIDLAND, TX, established in Aug. 4, 1962, midnight. As of 2025-12-31, the bank reported total assets of $526M and total deposits of $420M. Profitability stands at 1.90% ROA and 15.01% ROE, with a net interest margin of 4.00%. The bank's CET1 capital ratio is 14.29%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.09% and a Texas Ratio of 0.49%. FDIC Certificate #18576.

Assets

$526M

Deposits

$420M

Loans

$407M

Equity

$69M

Profitability

Return on Assets (ROA) 1.90%
Return on Equity (ROE) 15.01%
Net Interest Margin (NIM) 4.00%
Yield on Assets 6.70%
Cost of Funds 2.85%

Asset Quality

NPL Ratio 0.09%
Net Charge-Off Ratio --
Texas Ratio 0.49%
NPA Ratio 0.07%
ACL / Loans 1.40%

Capital & Liquidity

CET1 Ratio 14.29%
Tier 1 Capital 14.29%
Total Capital Ratio 15.50%
Leverage Ratio 12.59%
Loan-to-Deposit 96.85%

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