Bank of South Texas: 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.
Loan-to-deposit ratio climbed 3.78 percentage points in Q2 2026, from 85.44% to 89.22%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Bank of South Texas is 200th of 345 on return on assets, 1.33% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Bank of South Texas sits 0.08 points higher, at 1.33% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 16.63% |
| Equity capital to assets | 18.18% |
| Tangible equity to tangible assets | 16.52% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.22% |
| Non-performing assets ratio | 0.16% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.96% |
| Allowance for credit losses to loans | 1.15% |
| Reserve coverage of non-performing loans | 533.21% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.33% |
| Return on equity | 7.34% |
| Net interest margin | 7.07% |
| Efficiency ratio | 75.14% |
| Yield on earning assets | 8.81% |
| Cost of funds | 1.94% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.22% |
| Core deposits to total deposits | 77.55% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 80.82% |
| Securities to assets | 8.46% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 13.63% | 1.84% | 7.24% | 0.58% | 0.00% |
| Q4 2023 | 13.80% | 1.82% | 7.13% | 0.27% | -0.00% |
| Q1 2024 | 14.00% | 1.64% | 6.81% | 0.07% | 0.00% |
| Q2 2024 | 14.47% | 1.34% | 6.52% | 0.89% | 0.00% |
| Q3 2024 | 15.27% | 1.58% | 7.08% | 0.59% | 0.00% |
| Q4 2024 | 15.80% | 1.43% | 6.60% | 0.29% | 1.40% |
| Q1 2025 | 16.27% | 1.57% | 6.94% | 0.27% | 0.00% |
| Q2 2025 | 16.84% | 1.86% | 7.58% | 0.26% | 0.00% |
| Q3 2025 | 16.95% | 1.76% | 7.73% | 0.26% | 0.00% |
| Q4 2025 | 16.88% | 1.44% | 7.20% | 0.25% | 0.00% |
| Q1 2026 | 16.57% | 0.85% | 6.70% | 0.00% | 0.00% |
| Q2 2026 | 16.63% | 1.33% | 7.07% | 0.22% | 0.00% |
Bank of South Texas vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of South Texas, 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 Bank of South Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26727) · FFIEC NIC profile (RSSD 49858)