Bank of Texas
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Data as of · sourced from FFIEC call reports. How we update
Bank of Texas is an FDIC-insured commercial bank headquartered in Midland, TX, established in 1962 (FDIC certificate 18576), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $543.6M, up 3.8% from Q2 2025, the 153rd largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 15.09% 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
- 18576
- Headquarters
- Midland, TX
- Established
- 1962
- Total assets, Q2 2026
- $543.6M
- Assets vs Q2 2025
- +3.8%
- CET1 ratio, Q2 2026
- 15.09%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 111323809
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Texas call report
- Holding company
- TALL CITY BANCSHARES, INC.
- Asset rank in state
- 153rd of 346 in Texas
Bank of Texas runs leaner than most banks of its size. Based in Midland, Texas, it had $544 million in assets at June 30, 2026, up 3.8% from a year earlier. It spends about 42 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). On the other hand, it pays an average of 2.78% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 1.80%).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.48% of loans from 1.34%. Loans and deposits moved in opposite directions: over the year loans fell 2.2% and deposits rose 9.6%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.6 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Bank of Texas reported a CET1 capital ratio of 15.09%, a return on assets of 1.53%, a nonperforming-loan ratio of 0.48% and a Texas ratio of 2.51%. The figures come from its call report filed with the FFIEC.
Bank of Texas ranks as the 153rd largest of the 346 banks based in Texas, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.1% to $543.6M, loans fell 3.0% and deposits rose 3.0%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 37.7% of total loans, ahead of non-owner-occupied commercial real estate loans at 30.8%. Its 3 offices in the FDIC Summary of Deposits are in Midland, TX, El Paso, TX and Jayton, TX; its Midland office books 54% of its branch deposits. On its Q2 2026 call report, Bank of Texas meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 306 W Wall St, Midland, TX 79701
- County
- Midland
- Metro Area
- Midland, 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
- —
- Call Report form
- FFIEC 051
- Established
- August 4, 1962
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 26
- Domestic deposits
- $451.2M
- Allowance for credit losses
- $5.7M
- Net charge-offs (YTD)
- $0
- Average total assets
- $538.0M
- Average total loans
- $397.4M
- Average interest-bearing deposits
- $319.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 4, 1962
- FDIC Cert
- 18576
- Fed RSSD
- 925653
- Website
- www.bankoftexasonline.com →
- Parent Holding Company
- TALL CITY BANCSHARES, INC. (RSSD 3929821)
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
Bank of Texas's total assets moved between a low of $523.5M (Q2 2025) and a high of $550.6M (Q1 2025) 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
$543.6M total assets against $523.5M; $473.4M total liabilities against $460.4M.
$385.5M net loans and leases against $394.1M; $451.2M total deposits against $411.5M.
$5.9M securities against $5.4M; $142.5M cash and balances due against $113.8M.
$7.7M total interest income against $8.5M; $3.2M total interest expense against $3.1M.
$4.5M net interest income against $5.4M.
$104K total noninterest income against $105K; $2.0M total noninterest expense against $1.9M.
No provision recorded in the last 12 quarters.
$2.1M net income against $2.7M.
1.53% return on assets against 2.03%; 3.42% net interest margin against 4.04%.
15.09% CET1 capital ratio against 12.95%; 13.01% tier 1 leverage ratio against 11.63%.
Inside the full Bank of 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 Texas rankings
Its closest position to the top of a national ranking is 301 of 3,606, for efficiency ratio; its furthest is 2,032 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.53% (Q2 2026) to 2.59% (Q3 2024) and its net interest margin ran from 3.42% (Q2 2026) to 4.64% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.09% | 1.53% | 0.48% | 2.51% | 3.42% |
| Q1 2026 | 14.19% | 1.83% | 0.48% | 2.64% | 3.84% |
| Q4 2025 | 14.29% | 1.86% | 0.09% | 0.49% | 3.66% |
| Q3 2025 | 14.12% | 2.37% | 0.13% | 0.70% | 4.43% |
| Q2 2025 | 12.95% | 2.03% | 1.34% | 7.83% | 4.04% |
| Q1 2025 | 11.56% | 2.00% | 1.27% | 8.18% | 3.99% |
| Q4 2024 | 10.49% | 2.39% | 1.19% | 8.56% | 4.48% |
| Q3 2024 | 10.40% | 2.59% | 0.14% | 1.04% | 4.64% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 Texas (main office) | Midland , TX | 79701 | $243.7M |
| El Paso Branch | El Paso , TX | 79901 | $161.1M |
| Jayton Branch | Jayton , TX | 79528 | $46.5M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- October 27, 2014, Federal Reserve: Civil Money Penalty, $8,000: Bank of Texas, Midland, Texas
- Period: Most recent institution action October 27, 2014. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 198 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 Texas
What are Bank of Texas's total assets?
As of the Q2 2026 filing, Bank of Texas reported total assets of $543.6 million in its FFIEC call report.
Where is Bank of Texas headquartered?
It is headquartered in Midland, TX, United States.
When was Bank of Texas founded?
It was established in 1962, per the FDIC institution directory.
Is Bank of Texas FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #18576). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Texas?
Bank of Texas's primary federal regulator is the Federal Reserve.
What is Bank of Texas's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.09% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bank of Texas operate?
It operates 3 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 Texas's Texas Ratio?
Its Texas Ratio is 2.51% 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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