Bridge City State Bank: 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 31.43 percentage points in Q2 2026, from 185.88% to 217.30%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Bridge City State Bank is 257th of 345 on return on assets, 1.06% as of Q2 2026, below the middle of the field. Bridge City State Bank reported 1.06% on return on assets for Q2 2026, 0.20 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 20.16% |
| Tier 1 risk-based capital ratio | 20.16% |
| Total risk-based capital ratio | 21.03% |
| Tier 1 leverage ratio | 11.71% |
| Equity capital to assets | 8.74% |
| Tangible equity to tangible assets | 8.74% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.45% |
| Non-performing assets ratio | 0.24% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 2.63% |
| Allowance for credit losses to loans | 0.97% |
| Reserve coverage of non-performing loans | 217.30% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.06% |
| Return on equity | 13.46% |
| Net interest margin | 3.65% |
| Efficiency ratio | 64.27% |
| Yield on earning assets | 5.03% |
| Cost of funds | 1.49% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 67.44% |
| Core deposits to total deposits | 85.80% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 80.94% |
| Securities to assets | 34.17% |
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 | 22.80% | 22.80% | 23.74% | 11.94% | 0.78% |
| Q4 2023 | 22.77% | 22.77% | 23.67% | 11.94% | 1.18% |
| Q1 2024 | 22.91% | 22.91% | 23.86% | 11.76% | 1.05% |
| Q2 2024 | 23.79% | 23.79% | 24.76% | 11.80% | 0.99% |
| Q3 2024 | 22.51% | 22.51% | 23.37% | 12.42% | 0.98% |
| Q4 2024 | 20.08% | 20.08% | 20.95% | 11.63% | 0.69% |
| Q1 2025 | 20.01% | 20.01% | 20.86% | 11.59% | 0.94% |
| Q2 2025 | 20.05% | 20.05% | 20.88% | 11.68% | 1.07% |
| Q3 2025 | 19.64% | 19.64% | 20.43% | 11.21% | 1.13% |
| Q4 2025 | 19.58% | 19.58% | 20.45% | 11.06% | 1.22% |
| Q1 2026 | 20.34% | 20.34% | 21.24% | 11.23% | 1.02% |
| Q2 2026 | 20.16% | 20.16% | 21.03% | 11.71% | 1.06% |
Bridge City State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bridge City State Bank, 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 Bridge City State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18155) · FFIEC NIC profile (RSSD 43959)