The Bank and Trust, SSB
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Data as of · sourced from FFIEC call reports. How we update
The Bank and Trust, SSB is an FDIC-insured commercial bank headquartered in Del Rio, TX, established in 1910 (FDIC certificate 1184), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $583.8M, up 2.9% from Q2 2025, the 144th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 17.15% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 1184
- Headquarters
- Del Rio, TX
- Established
- 1910
- Total assets, Q2 2026
- $583.8M
- Assets vs Q2 2025
- +2.9%
- CET1 ratio, Q2 2026
- 17.15%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 114901370
- Latest call report
- Q2 2026, FFIEC 051 · The Bank and Trust, SSB call report
- Holding company
- WESTEX BANCORP, INC.
- Asset rank in state
- 144th of 346 in Texas
The Bank and Trust, SSB, based in Del Rio, Texas, reported $584 million in assets at June 30, 2026, up 2.9% from a year earlier. It pays an average of 0.84% on its deposits and borrowings, about half the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 4.65 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.95 cents).
Loans are outrunning deposits: over the year loans rose 10.7% and deposits rose 2.0%. Paper losses on its bond portfolio are shrinking: unrealized losses of $11 million equal 19% of Tier 1 capital, down from 25% a year earlier.
As of June 30, 2026, The Bank and Trust, SSB reported a CET1 capital ratio of 17.15%, a return on assets of 1.61%, a nonperforming-loan ratio of 0.05% and a Texas ratio of 0.35%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Bank and Trust, SSB is the 144th largest of the 346 banks headquartered in Texas. Between Q1 2026 and Q2 2026, its total assets rose 0.4% to $583.8M, loans rose 3.5% and deposits rose 0.3%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 53.5% of total loans, followed by commercial and industrial loans at 9.9%. The FDIC Summary of Deposits lists 10 offices for it, in 6 cities in TX; its Del Rio 4 offices book 62% of its branch deposits. Judged on its Q2 2026 call report, The Bank and Trust, SSB meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1200 Veterans Blvd, Del Rio, TX 78840
- County
- Val Verde
- Metro Area
- Del Rio, TX
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1910
- Former names
- The Bank and Trust, S.S.B. (2006)
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 148
- Domestic deposits
- $529.3M
- Allowance for credit losses
- $4.5M
- Net charge-offs (YTD)
- $34K
- Average total assets
- $590.0M
- Average total loans
- $394.7M
- Average interest-bearing deposits
- $351.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1184
- Fed RSSD
- 623454
- Website
- www.thebankandtrust.com →
- Parent Holding Company
- WESTEX BANCORP, INC. (RSSD 1105014)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The Bank and Trust, SSB's total assets ranged from $526.3M (Q2 2024) to $584.8M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$583.8M total assets against $567.1M; $533.6M total liabilities against $522.8M.
$393.1M net loans and leases against $355.0M; $529.3M total deposits against $518.7M.
$132.8M securities against $123.4M; $21.7M cash and balances due against $57.7M.
$7.4M total interest income against $7.0M; $1.1M total interest expense against $1.2M.
$6.3M net interest income against $5.8M.
$2.6M total noninterest income against $2.2M; $6.3M total noninterest expense against $5.5M.
$201K provision for credit losses against $49K.
$2.4M net income against $2.4M.
1.61% return on assets against 1.67%; 4.65% net interest margin against 4.36%.
17.15% CET1 capital ratio against 17.93%; 9.96% tier 1 leverage ratio against 9.85%.
Inside the full The Bank and Trust, SSB terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Bank and Trust, SSB rankings
Its closest position to the top of a national ranking is 571 of 2,134, for CET1 ratio; its furthest is 3,054 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.30% (Q4 2024) to 1.68% (Q4 2025) and its net interest margin ran from 4.18% (Q3 2024) to 4.65% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.15% | 1.61% | 0.05% | 0.35% | 4.65% |
| Q1 2026 | 17.34% | 1.48% | 0.05% | 0.35% | 4.49% |
| Q4 2025 | 17.70% | 1.68% | 0.06% | 0.44% | 4.42% |
| Q3 2025 | 17.83% | 1.39% | 0.00% | 0.00% | 4.37% |
| Q2 2025 | 17.93% | 1.67% | 0.05% | 0.41% | 4.36% |
| Q1 2025 | 18.06% | 1.41% | 0.05% | 0.42% | 4.21% |
| Q4 2024 | 17.89% | 1.30% | 0.06% | 0.46% | 4.25% |
| Q3 2024 | 17.12% | 1.37% | 0.06% | 0.42% | 4.18% |
Swipe the table sideways to see every column.
Branch Network
View all 10 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Bank and Trust, S.S.B. | Del Rio , TX | 78840 | $303.7M |
| Knickerbocker Road Branch | San Angelo , TX | 76904 | $78.7M |
| Sonora Branch | Sonora , TX | 76950 | $44.6M |
| Ann and North Branch | Brackettville , TX | 78832 | $36.9M |
| Kerrville Branch | Kerrville , TX | 78028 | $36.1M |
| Bedell Avenue Branch | Del Rio , TX | 78840 | $25.2M |
| Boerne Branch | Boerne , TX | 78006 | $3.6M |
| San Angelo North Bryant Branch | San Angelo , TX | 76903 | $511K |
| Operations Center Branch | Del Rio , TX | 78840 | $0 |
| Detached Facility Branch | Del Rio , TX | 78840 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 22, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 12, 1999 | Structure Change | Acquired The Bank and Trust, S.S.B. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1998 | Structure Change | Acquired The First State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 180 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 209 applications, 150 loans originated, $38.7M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $136K approved, $136K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2003 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Bank and Trust, SSB
What are The Bank and Trust, SSB's total assets?
As of the Q2 2026 filing, The Bank and Trust, SSB reported total assets of $583.8 million in its FFIEC call report.
Where is The Bank and Trust, SSB headquartered?
It is headquartered in Del Rio, TX, United States.
When was The Bank and Trust, SSB founded?
It was established in 1910, per the FDIC institution directory.
Is The Bank and Trust, SSB FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1184). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Bank and Trust, SSB?
The Bank and Trust, SSB's primary federal regulator is the Federal Reserve.
What is The Bank and Trust, SSB's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.15% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Bank and Trust, SSB operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Bank and Trust, SSB's Texas Ratio?
Its Texas Ratio is 0.35% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was The Bank and Trust, SSB previously called?
The charter now named The Bank and Trust, SSB has also operated as The Bank and Trust, S.S.B. (2006), per FDIC structure-change records.
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