Bank of 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.
Reserve coverage of non-performing loans climbed 7.68 percentage points in Q2 2026, from 293.21% to 300.90%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Bank of Texas is 163rd of 345 on return on assets, 1.53% as of Q2 2026, above the middle of the field. Bank of Texas reported 1.53% on return on assets for Q2 2026, 0.28 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.09% |
| Tier 1 risk-based capital ratio | 15.09% |
| Total risk-based capital ratio | 16.33% |
| Tier 1 leverage ratio | 13.01% |
| Equity capital to assets | 12.91% |
| Tangible equity to tangible assets | 12.87% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.48% |
| Non-performing assets ratio | 0.35% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 2.51% |
| Allowance for credit losses to loans | 1.46% |
| Reserve coverage of non-performing loans | 300.90% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.53% |
| Return on equity | 11.93% |
| Net interest margin | 3.42% |
| Efficiency ratio | 42.45% |
| Yield on earning assets | 5.82% |
| Cost of funds | 2.78% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.69% |
| Core deposits to total deposits | 57.19% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 83.01% |
| Securities to assets | 1.09% |
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 | 12.87% | 12.87% | 13.97% | 12.37% | 3.28% |
| Q4 2023 | 12.67% | 12.67% | 13.73% | 12.89% | 3.55% |
| Q1 2024 | 12.93% | 12.93% | 14.01% | 13.45% | 2.92% |
| Q2 2024 | 13.97% | 13.97% | 15.13% | 13.16% | 2.56% |
| Q3 2024 | 10.40% | 10.40% | 11.52% | 10.01% | 2.59% |
| Q4 2024 | 10.49% | 10.49% | 11.56% | 10.94% | 2.39% |
| Q1 2025 | 11.56% | 11.56% | 12.67% | 11.31% | 2.00% |
| Q2 2025 | 12.95% | 12.95% | 14.13% | 11.63% | 2.03% |
| Q3 2025 | 14.12% | 14.12% | 15.35% | 12.48% | 2.37% |
| Q4 2025 | 14.29% | 14.29% | 15.50% | 12.59% | 1.86% |
| Q1 2026 | 14.19% | 14.19% | 15.39% | 13.04% | 1.83% |
| Q2 2026 | 15.09% | 15.09% | 16.33% | 13.01% | 1.53% |
Bank of Texas vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of 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 Texas profile, peer group comparison, or how this data updates.
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