Bank of South Texas
Bank of South Texas is a locally rooted FDIC-insured community bank based in Mcallen, TX. The Q1 2026 balance sheet stands at $171M in assets, including $118M in loans. Returns are in line with industry norms at 0.85% ROA and 4.66% ROE; net interest margin is 6.70%. Under the simplified Community Bank Leverage Ratio framework, leverage of 16.57% exceeds the 9% CBLR threshold. Credit metrics are pristine, with nonperforming loans at just 0.00%. 8 branches make up the footprint.
Headquarters Profile
- Address
- 1421 E Nolana Ave, MCALLEN, TX 78504
- County
- Hidalgo
- Metro Area
- MCALLEN-EDINBURG-MISSION, TX
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 13
- Established
- July 8, 1986
- Branches
- 8 domestic
- Employees (FTE)
- 70
- FDIC Cert
- 26727
- Fed RSSD
- 49858
- Website
- www.bankofsouthtexas.com →
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Bank of South Texas rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
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Frequently asked about Bank of South Texas
What are Bank of South Texas's total assets?
As of the Q1 2026 filing, Bank of South Texas reported total assets of $170.6 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Bank of South Texas headquartered?
Bank of South Texas is headquartered in MCALLEN, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Bank of South Texas founded?
Bank of South Texas was established in 1986, per the FDIC institution directory.
Is Bank of South Texas FDIC-insured?
Yes. Bank of South Texas is an FDIC-insured commercial bank (FDIC Certificate #26727). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of South Texas?
Bank of South Texas's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Bank of South Texas operate?
Bank of South Texas operates 8 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Bank of South Texas's Texas Ratio?
Bank of South Texas's Texas Ratio is 0.71% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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