Bridge City State Bank
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Data as of · sourced from FFIEC call reports. How we update
Bridge City State Bank is an FDIC-insured commercial bank headquartered in Bridge City, TX, established in 1960 (FDIC certificate 18155), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $246.8M, up 2.7% from Q2 2025, the 236th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 20.16% 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
- 18155
- Headquarters
- Bridge City, TX
- Established
- 1960
- Total assets, Q2 2026
- $246.8M
- Assets vs Q2 2025
- +2.7%
- CET1 ratio, Q2 2026
- 20.16%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 113123528
- Holding company
- AMTEX BANCSHARES, INC.
- Asset rank in state
- 236th of 346 in Texas
Little in Bridge City State Bank's latest call report stands out. The Bridge City, Texas bank had $247 million in assets at June 30, 2026, up 2.7% from a year earlier. On most measures it sits near the middle of the 2,660 banks with $100 million to $1 billion in assets.
The commercial and industrial book ($19 million) is worsening: 5.14% of it is past due or on nonaccrual, up from 1.81% a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $12 million equal 39% of Tier 1 capital, down from 53% a year earlier.
As of June 30, 2026, Bridge City State Bank reported a CET1 capital ratio of 20.16%, a return on assets of 1.06%, a nonperforming-loan ratio of 0.08% and a Texas ratio of 0.48%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Bridge City State Bank is the 236th largest of the 346 banks headquartered in Texas. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 6.6% to $246.8M, loans rose 7.4% and deposits fell 8.6%. Construction and land development loans made up 24.4% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 23.9%. Its 3 offices in the FDIC Summary of Deposits are in Bridge City, TX, Orange, TX and Lumberton, TX; its Bridge City office books 91% of its branch deposits. On its Q2 2026 call report, Bridge City State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 701 W Round Bunch Rd, Bridge City, TX 77611
- County
- Orange
- Metro Area
- Beaumont-Port Arthur, TX
- 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
- February 27, 1960
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 38
- Domestic deposits
- $199.7M
- Allowance for credit losses
- $1.3M
- Net charge-offs (YTD)
- -$3K
- Average total assets
- $265.6M
- Average total loans
- $128.9M
- Average interest-bearing deposits
- $150.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 27, 1960
- FDIC Cert
- 18155
- Fed RSSD
- 43959
- Website
- www.bridgecitybank.com →
- Parent Holding Company
- AMTEX BANCSHARES, INC. (RSSD 1131899)
- Ultimate Parent
- ODOM AMTEX HOLDINGS TRUST, THE (RSSD 5679326)
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
Bridge City State Bank's total assets moved between a low of $203.7M (Q3 2023) and a high of $264.3M (Q1 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
$246.8M total assets against $240.2M; $225.2M total liabilities against $223.2M.
$133.4M net loans and leases against $123.8M; $199.7M total deposits against $191.4M.
$84.3M securities against $85.1M; $15.1M cash and balances due against $17.2M.
$3.1M total interest income against $2.8M; $865K total interest expense against $810K.
$2.2M net interest income against $2.0M.
$220K total noninterest income against $214K; $1.6M total noninterest expense against $1.4M.
$0 provision for credit losses against $0.
$702K net income against $670K.
1.06% return on assets against 1.07%; 3.65% net interest margin against 3.51%.
20.16% CET1 capital ratio against 20.05%; 11.71% tier 1 leverage ratio against 11.68%.
Inside the full Bridge City State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBridge City State Bank rankings
Its closest position to the top of a national ranking is 325 of 2,134, for CET1 ratio; its furthest is 2,968 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.69% (Q4 2024) to 1.22% (Q4 2025) and its net interest margin ran from 3.38% (Q1 2025) to 3.68% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 20.16% | 1.06% | 0.08% | 0.48% | 3.65% |
| Q1 2026 | 20.34% | 1.02% | 0.11% | 0.67% | 3.42% |
| Q4 2025 | 19.58% | 1.22% | 0.11% | 0.66% | 3.57% |
| Q3 2025 | 19.64% | 1.13% | 0.20% | 1.22% | 3.53% |
| Q2 2025 | 20.05% | 1.07% | 0.21% | 1.47% | 3.51% |
| Q1 2025 | 20.01% | 0.94% | 0.23% | 2.56% | 3.38% |
| Q4 2024 | 20.08% | 0.69% | 0.24% | 2.84% | 3.51% |
| Q3 2024 | 22.51% | 0.98% | 0.46% | 2.49% | 3.68% |
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 |
|---|---|---|---|
| Bridge City State Bank (main office) | Bridge City , TX | 77611 | $181.7M |
| Orange Branch | Orange , TX | 77630 | $14.3M |
| Lumberton Branch | Lumberton , TX | 77657 | $3.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 295 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 55 applications, 51 loans originated, $12.3M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $100K approved, $100K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1996 (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 Bridge City State Bank
What are Bridge City State Bank's total assets?
As of the Q2 2026 filing, Bridge City State Bank reported total assets of $246.8 million in its FFIEC call report.
Where is Bridge City State Bank headquartered?
It is headquartered in Bridge City, TX, United States.
When was Bridge City State Bank founded?
It was established in 1960, per the FDIC institution directory.
Is Bridge City State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #18155). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bridge City State Bank?
Bridge City State Bank's primary federal regulator is the FDIC.
What is Bridge City State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 20.16% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bridge City State Bank 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 Bridge City State Bank's Texas Ratio?
Its Texas Ratio is 0.48% 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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