BANK19
BankRegReports is independent of BANK19 and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
BANK19 is an FDIC-insured commercial bank headquartered in Memphis, TX, established in 1898 (FDIC certificate 3335), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $147.8M, the 282nd largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 33.25% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 3335
- Headquarters
- Memphis, TX
- Established
- 1898
- Total assets, Q2 2026
- $147.8M
- CET1 ratio, Q2 2026
- 33.25%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 111304381
- Latest call report
- Q2 2026, FFIEC 051 · BANK19 call report
- Asset rank in state
- 282nd of 346 in Texas
BANK19 carries far more capital than most banks of its size. The Memphis, Texas bank had $148 million in assets at June 30, 2026, against $86 million a year earlier. It holds common equity equal to 33.25% of its risk-weighted assets, about double the median of 15.12% for the 2,660 banks with $100 million to $1 billion in assets. It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.6%).
As of June 30, 2026, BANK19 reported a CET1 capital ratio of 33.25%, a return on assets of 1.81%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
BANK19 ranks as the 282nd largest of the 346 banks based in Texas, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.0% to $147.8M, loans rose 9.4% and deposits rose 0.7%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 35.1% of total loans, ahead of non-owner-occupied commercial real estate loans at 20.0%. The FDIC Summary of Deposits lists 3 offices for it, in Memphis, TX, Colorado Springs, CO and Amarillo, TX; its Memphis office books 52% of its branch deposits. On its Q2 2026 call report, BANK19 meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 501 W Main St, Memphis, TX 79245
- County
- Hall
- 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
- March 1, 1898
- Former names
- First Bank and Trust of Memphis (1985-2026)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 22
- Domestic deposits
- $121.8M
- Allowance for credit losses
- $480K
- Net charge-offs (YTD)
- $0
- Average total assets
- $148.9M
- Average total loans
- $80.3M
- Average interest-bearing deposits
- $48.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3335
- Fed RSSD
- 373553
- Website
- www.firstmemphis.com →
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
BANK19's total assets moved between a low of $65.3M (Q3 2024) and a high of $147.8M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$147.8M total assets against $85.8M; $122.0M total liabilities against $62.8M.
$76.1M net loans and leases against $44.2M; $121.8M total deposits against $62.6M.
$2.3M securities against $16.1M; $63.7M cash and balances due against $20.3M.
$2.1M total interest income against -$985K; $357K total interest expense against -$321K.
$1.7M net interest income against -$664K.
$78K total noninterest income against -$35K; $1.1M total noninterest expense against -$309K.
No provision recorded in the last 12 quarters.
$673K net income against -$392K.
1.81% return on assets against -2.00%; 4.79% net interest margin.
33.25% CET1 capital ratio against 42.07%; 15.33% tier 1 leverage ratio against 25.19%.
Inside the full BANK19 terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBANK19 rankings
Its closest position to the top of a national ranking is 51 of 2,134, for CET1 ratio; its furthest is 3,576 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -2.00% (Q2 2025) to 3.13% (Q3 2024) and its net interest margin ran from 4.26% (Q4 2025) to 4.83% (Q1 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 33.25% | 1.81% | 0.00% | 0.00% | 4.79% |
| Q1 2026 | 31.29% | 1.32% | 0.00% | 0.00% | 4.33% |
| Q4 2025 | 32.24% | 2.21% | 0.00% | 0.00% | 4.26% |
| Q3 2025 | 34.21% | 2.61% | 0.00% | 0.00% | 4.26% |
| Q2 2025 | 42.07% | -2.00% | 0.00% | 0.00% | — |
| Q1 2025 | 19.25% | 2.70% | 0.00% | 0.00% | 4.83% |
| Q4 2024 | 18.92% | 1.91% | 2.06% | 10.12% | 4.43% |
| Q3 2024 | 19.17% | 3.13% | 2.03% | 10.03% | 4.46% |
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 |
|---|---|---|---|
| BANK19 (main office) | Memphis , TX | 79245 | $63.1M |
| Colorado Springs Branch | Colorado Springs , CO | 80920 | $57.0M |
| Amarillo Branch | Amarillo , TX | 79106 | $1.8M |
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 |
|---|---|---|---|
| August 24, 1967 | Structure Change | Acquired First NB of Lakeview 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 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 399 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $200K approved, $200K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (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
Add this badge to your website
Free to use. It shows BANK19’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about BANK19
What are BANK19's total assets?
As of the Q2 2026 filing, BANK19 reported total assets of $147.8 million in its FFIEC call report.
Where is BANK19 headquartered?
It is headquartered in Memphis, TX, United States.
When was BANK19 founded?
It was established in 1898, per the FDIC institution directory.
Is BANK19 FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3335). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates BANK19?
BANK19's primary federal regulator is the FDIC.
What is BANK19's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 33.25% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does BANK19 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 BANK19's Texas Ratio?
Its Texas Ratio is 0.00% 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.
What was BANK19 previously called?
The charter now named BANK19 has also operated as First Bank and Trust of Memphis (1985-2026), per FDIC structure-change records.
Go deeper on BANK19.
Get an email when BANK19 files its next call report, and benchmark it against any peer you choose.
Unlock BANK19, freeFree account