Bank of South Texas
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Data as of · sourced from FFIEC call reports. How we update
Bank of South Texas is an FDIC-insured commercial bank headquartered in McAllen, TX, established in 1986 (FDIC certificate 26727), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $174.5M, up 8.5% from Q2 2025, the 266th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 16.63% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 26727
- Headquarters
- McAllen, TX
- Established
- 1986
- Total assets, Q2 2026
- $174.5M
- Assets vs Q2 2025
- +8.5%
- Tier 1 leverage ratio, Q2 2026
- 16.63%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 114917157
- Latest call report
- Q2 2026, FFIEC 051 · Bank of South Texas call report
- Asset rank in state
- 266th of 346 in Texas
Bank of South Texas earns an unusually wide margin on its lending. The Mcallen, Texas bank had $175 million in assets at June 30, 2026, up 8.5% from a year earlier. It keeps 7.07 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also funds 16.63% of its assets with Tier 1 capital, higher than about 9 in 10 banks its size (median 10.99%).
Net income for the quarter slipped 23% from a year earlier, to $577,000. Over the same year, loans grew 13.3% and deposits grew 9.0%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.4 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Bank of South Texas reported a return on assets of 1.33%, a nonperforming-loan ratio of 0.23% and a Texas ratio of 0.96%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Bank of South Texas is the 266th largest of the 346 banks headquartered in Texas. Between Q1 2026 and Q2 2026, its total assets rose 2.3% to $174.5M, loans rose 6.9% and deposits rose 2.4%. Construction and land development loans made up 43.9% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 22.9%. Its 8 offices in the FDIC Summary of Deposits are in 7 cities in TX; its Pharr office books 29% of its branch deposits. On its Q2 2026 call report, Bank of South Texas meets the community bank leverage ratio test for well capitalized.
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
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 8, 1986
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 63
- Domestic deposits
- $141.1M
- Allowance for credit losses
- $1.4M
- Net charge-offs (YTD)
- $0
- Average total assets
- $173.4M
- Average total loans
- $123.2M
- Average interest-bearing deposits
- $91.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 8, 1986
- FDIC Cert
- 26727
- Fed RSSD
- 49858
- Website
- www.bankofsouthtexas.com →
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Bank of South Texas reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Bank of South Texas's total assets moved between a low of $159.1M (Q1 2025) and a high of $174.5M (Q2 2026) from Q3 2023 to Q2 2026, 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
$174.5M total assets against $160.9M; $142.8M total liabilities against $130.9M.
$124.4M net loans and leases against $109.8M; $141.1M total deposits against $129.5M.
$14.8M securities against $20.7M; $19.3M cash and balances due against $15.6M.
$3.4M total interest income against $3.3M; $670K total interest expense against $596K.
$2.7M net interest income against $2.7M.
$209K total noninterest income against $195K; $2.2M total noninterest expense against $1.9M.
$0 provision for credit losses against $40K.
$577K net income against $746K.
1.33% return on assets against 1.86%; 7.07% net interest margin against 7.58%.
16.63% tier 1 leverage ratio against 16.84%.
Inside the full Bank of South Texas terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Bank of South Texas rankings
Its closest position to the top of a national ranking is 1,671 of 3,611, for ROA; its furthest is 3,052 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.85% (Q1 2026) to 1.86% (Q2 2025) and its net interest margin ran from 6.60% (Q4 2024) to 7.73% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.63% | 1.33% | 0.23% | 0.96% | 7.07% |
| Q1 2026 | 16.57% | 0.85% | 0.18% | 0.71% | 6.70% |
| Q4 2025 | 16.88% | 1.44% | 0.38% | 1.54% | 7.20% |
| Q3 2025 | 16.95% | 1.76% | 0.50% | 1.98% | 7.73% |
| Q2 2025 | 16.84% | 1.86% | 0.27% | 1.06% | 7.58% |
| Q1 2025 | 16.27% | 1.57% | 0.28% | 1.11% | 6.94% |
| Q4 2024 | 15.80% | 1.43% | 0.30% | 1.14% | 6.60% |
| Q3 2024 | 15.27% | 1.58% | 1.38% | 5.26% | 7.08% |
Swipe the table sideways to see every column.
Branch Network
View all 8 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 |
|---|---|---|---|
| Bank of South Texas Cage Branch | Pharr , TX | 78577 | $40.4M |
| Bank of South Texas Kingsville Branch | Kingsville , TX | 78363 | $32.4M |
| Bank of South Texas Hebbronville Branch | Hebbronville , TX | 78361 | $23.1M |
| Mission Branch | Mission , TX | 78572 | $22.0M |
| Bank of South Texas (main office) | Mcallen , TX | 78504 | $15.3M |
| Bank of South Texas Edinburg Branch | Edinburg , TX | 78539 | $6.8M |
| Brownsville Branch | Olmito , TX | 78575 | $1.1M |
| Detached Facility | Kingsville , TX | 78363 | $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 |
|---|---|---|---|
| July 11, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 11, 2003 | Structure Change | Acquired State Bank of Kingsville 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 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 331 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $35K approved, $35K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1996 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Bank of South Texas
What are Bank of South Texas's total assets?
As of the Q2 2026 filing, Bank of South Texas reported total assets of $174.5 million in its FFIEC call report.
Where is Bank of South Texas headquartered?
It is headquartered in McAllen, TX, United States.
When was Bank of South Texas founded?
It was established in 1986, per the FDIC institution directory.
Is Bank of South Texas FDIC-insured?
Yes. It 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.
How many branches does Bank of South Texas operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of South Texas's Texas Ratio?
Its Texas Ratio is 0.96% 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.
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