The Bank and Trust, SSB: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 53.15 percentage points in Q2 2026, from 1158.71% to 1211.86%. It was the largest change from Q1 2026 among the key lines here. Within Texas, The Bank and Trust, SSB is 144th of 345 on return on assets, 1.61% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The Bank and Trust, SSB sits 0.36 points higher, at 1.61% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.15% |
| Tier 1 risk-based capital ratio | 17.15% |
| Total risk-based capital ratio | 18.40% |
| Tier 1 leverage ratio | 9.96% |
| Equity capital to assets | 8.59% |
| Tangible equity to tangible assets | 8.20% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.09% |
| Non-performing assets ratio | 0.06% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 0.71% |
| Allowance for credit losses to loans | 1.13% |
| Reserve coverage of non-performing loans | 1211.86% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.61% |
| Return on equity | 19.14% |
| Net interest margin | 4.65% |
| Efficiency ratio | 70.50% |
| Yield on earning assets | 5.48% |
| Cost of funds | 0.84% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.11% |
| Core deposits to total deposits | 94.68% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.67% |
| Securities to assets | 22.75% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 17.55% | 17.55% | 18.80% | 9.52% | 1.45% |
| Q4 2023 | 17.31% | 17.31% | 18.56% | 9.52% | 1.50% |
| Q1 2024 | 17.66% | 17.66% | 18.91% | 9.82% | 1.42% |
| Q2 2024 | 17.63% | 17.63% | 18.88% | 9.86% | 1.48% |
| Q3 2024 | 17.12% | 17.12% | 18.37% | 10.18% | 1.37% |
| Q4 2024 | 17.89% | 17.89% | 19.14% | 9.74% | 1.30% |
| Q1 2025 | 18.06% | 18.06% | 19.32% | 9.86% | 1.41% |
| Q2 2025 | 17.93% | 17.93% | 19.19% | 9.85% | 1.67% |
| Q3 2025 | 17.83% | 17.83% | 19.08% | 9.79% | 1.39% |
| Q4 2025 | 17.70% | 17.70% | 18.95% | 9.61% | 1.68% |
| Q1 2026 | 17.34% | 17.34% | 18.59% | 9.95% | 1.48% |
| Q2 2026 | 17.15% | 17.15% | 18.40% | 9.96% | 1.61% |
The Bank and Trust, SSB vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank and Trust, SSB, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Bank and Trust, SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1184) · FFIEC NIC profile (RSSD 623454)