Benchmark Bank
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Data as of · sourced from FFIEC call reports. How we update
Benchmark Bank is an FDIC-insured commercial bank headquartered in Plano, TX, established in 1964 (FDIC certificate 19215), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $1.65B, up 30.3% from Q2 2025, the 62nd largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 11.89% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 19215
- Headquarters
- Plano, TX
- Established
- 1964
- Total assets, Q2 2026
- $1.65B
- Assets vs Q2 2025
- +30.3%
- CET1 ratio, Q2 2026
- 11.89%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 111902055
- Holding company
- QUINLAN BANCSHARES, INC.
- Asset rank in state
- 62nd of 346 in Texas
Benchmark Bank operates with a thinner capital cushion than most banks of its size. Based in Plano, Texas, it had $1.6 billion in assets at June 30, 2026, up 30.3% from a year earlier. It funds 8.47% of its assets with Tier 1 capital, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 10.52%). It also holds about two-thirds of its deposits (61%) above the FDIC insurance limit, about double the median of 30.9% for banks its size. It has also been growing, with assets up 30.3% in a year.
Earnings jumped: net income for the quarter was $6.5 million, 45% above the same quarter a year earlier. Over the same year, loans grew 20.4% and deposits grew 31.6%.
As of June 30, 2026, Benchmark Bank reported a CET1 capital ratio of 11.89%, a return on assets of 1.60%, a nonperforming-loan ratio of 0.18% and a Texas ratio of 1.28%. The figures come from its call report filed with the FFIEC.
Benchmark Bank ranks as the 62nd largest of the 346 banks based in Texas, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 4.0% to $1.65B, loans rose 5.0% and deposits rose 2.7%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 20.9% of total loans, followed by construction and land development loans at 16.9%. The FDIC Summary of Deposits lists 8 offices for it, in 6 cities in TX; its Dallas 2 offices book 51% of its branch deposits. On its Q2 2026 call report, Benchmark Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 5700 Legacy Dr Ste 10, Plano, TX 75024
- County
- Collin
- Metro Area
- Dallas-Fort Worth-Arlington, 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
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- August 29, 1964
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 182
- Domestic deposits
- $1.50B
- Allowance for credit losses
- $12.0M
- Net charge-offs (YTD)
- $5.9M
- Average total assets
- $1.63B
- Average total loans
- $977.7M
- Average interest-bearing deposits
- $902.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 29, 1964
- FDIC Cert
- 19215
- Fed RSSD
- 980960
- Website
- www.benchmarkbank.com →
- Parent Holding Company
- QUINLAN BANCSHARES, INC. (RSSD 1133428)
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
Benchmark Bank's total assets moved between a low of $1.07B (Q3 2023) and a high of $1.65B (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
$1.65B total assets against $1.27B; $1.51B total liabilities against $1.15B.
$1.08B net loans and leases against $895.4M; $1.50B total deposits against $1.14B.
$8.4M securities against $8.4M; $481.7M cash and balances due against $286.1M.
$21.7M total interest income against $18.9M; $5.8M total interest expense against $6.0M.
$15.9M net interest income against $12.9M.
$7.4M total noninterest income against $5.6M; $15.3M total noninterest expense against $13.4M.
$1.5M provision for credit losses against $494K.
$6.5M net income against $4.5M.
1.60% return on assets against 1.44%; 4.13% net interest margin against 4.37%.
11.89% CET1 capital ratio against 12.62%; 8.47% tier 1 leverage ratio against 9.23%.
Inside the full Benchmark Bank 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.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
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.
Benchmark Bank rankings
Its closest position to the top of a national ranking is 32 of 980, for uninsured deposits; its furthest is 1,744 of 2,134, for CET1 ratio.
Metric pages for Benchmark Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.01% (Q1 2026) to 2.03% (Q3 2024) and its net interest margin ran from 4.07% (Q1 2026) to 4.44% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.89% | 1.60% | 0.18% | 1.28% | 4.13% |
| Q1 2026 | 10.52% | 0.01% | 0.19% | 1.53% | 4.07% |
| Q4 2025 | 10.76% | 0.96% | 0.78% | 6.25% | 4.15% |
| Q3 2025 | 11.22% | 1.45% | 0.20% | 1.54% | 4.24% |
| Q2 2025 | 12.62% | 1.44% | 0.19% | 1.34% | 4.37% |
| Q1 2025 | 12.54% | 1.62% | 0.09% | 0.67% | 4.12% |
| Q4 2024 | 13.55% | 1.62% | 0.11% | 0.70% | 4.16% |
| Q3 2024 | 13.02% | 2.03% | 0.10% | 0.71% | 4.44% |
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 |
|---|---|---|---|
| Preston Royal Branch | Dallas , TX | 75230 | $481.5M |
| Benchmark Bank (main office) | Plano , TX | 75024 | $360.0M |
| Hillcrest Branch | Dallas , TX | 75205 | $280.6M |
| Crawford Branch | Austin , TX | 78703 | $219.8M |
| Ft. Worth Branch | Fort Worth , TX | 76107 | $91.6M |
| Houston Woodway | Houston , TX | 77057 | $62.1M |
| Westlake Branch | West Lake Hills , TX | 78746 | $0 |
| Casis Branch | Austin , TX | 78703 | $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 |
|---|---|---|---|
| June 8, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 8, 2001 | Structure Change | Acquired Lone Oak State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 29, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 29, 1996 | Structure Change | Acquired Citizens State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 15, 1988 | Structure Change | Acquired Allen National Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 14, 1988 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 8, 1988 | Structure Change | Acquired Commerce Bank of Plano Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| January 7, 1988 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 84 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 72 applications, 56 loans originated, $113.1M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $354K approved, $354K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2009 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Benchmark Bank
What are Benchmark Bank's total assets?
As of the Q2 2026 filing, Benchmark Bank reported total assets of $1.65 billion in its FFIEC call report.
Where is Benchmark Bank headquartered?
It is headquartered in Plano, TX, United States.
When was Benchmark Bank founded?
It was established in 1964, per the FDIC institution directory.
Is Benchmark Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #19215). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Benchmark Bank?
Benchmark Bank's primary federal regulator is the Federal Reserve.
What is Benchmark Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.89% in its Q2 2026 call report, above regulatory requirements.
How many branches does Benchmark Bank 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 Benchmark Bank's Texas Ratio?
Its Texas Ratio is 1.28% 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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