Broadstreet Bank, SSB
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Data as of · sourced from FFIEC call reports. How we update
Broadstreet Bank, SSB is an FDIC-insured savings bank headquartered in Mineola, TX, established in 1934 (FDIC certificate 28868), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $442.8M, little changed from Q2 2025, the 172nd largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.13% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 28868
- Headquarters
- Mineola, TX
- Established
- 1934
- Total assets, Q2 2026
- $442.8M
- Assets vs Q2 2025
- 0.0%
- Tier 1 leverage ratio, Q2 2026
- 12.13%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 311972526
- Holding company
- TEXAS COMMUNITY BANCSHARES, INC.
- Asset rank in state
- 172nd of 346 in Texas
Broadstreet Bank, SSB, based in Mineola, Texas, reported $443 million in assets at June 30, 2026. It carries problem assets equal to 19.7% of the capital and reserves that would absorb them, 7.4 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. It also lost 0.5% of its deposits over the year, lower than about three-quarters of banks its size (median 4.0%).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.44% of loans from 3.59%. Earnings jumped: net income for the quarter was $1.1 million, 47% above the same quarter a year earlier. Funding is the softer spot: it pays an average of 2.26% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Broadstreet Bank, SSB reported a return on assets of 1.00%, a nonperforming-loan ratio of 0.44% and a Texas ratio of 19.68%. The figures come from its call report filed with the FFIEC.
Broadstreet Bank, SSB ranks as the 172nd largest of the 346 banks based in Texas, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 3.2% to $442.8M, loans rose 5.2% and deposits rose 2.1%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 47.2% of total loans, followed by construction and land development loans at 13.9%. Its 7 offices in the FDIC Summary of Deposits are in 6 cities in TX; its Mineola 2 offices book 50% of its branch deposits. Judged on its Q2 2026 call report, Broadstreet Bank, SSB meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 215 W Broad St, Mineola, TX 75773
- County
- Wood
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- —
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- April 1, 1934
- Former names
- Mineola Community Bank, S.S.B. (1997-2023)
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 70
- Domestic deposits
- $343.4M
- Allowance for credit losses
- $3.6M
- Net charge-offs (YTD)
- $15K
- Average total assets
- $436.6M
- Average total loans
- $308.5M
- Average interest-bearing deposits
- $281.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28868
- Fed RSSD
- 279
- SEC CIK
- 1849466 → filed by TEXAS COMMUNITY BANCSHARES, INC.
- Website
- www.broadstreet.bank →
- Parent Holding Company
- TEXAS COMMUNITY BANCSHARES, INC. (RSSD 5586862) · TCBS
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Jason Sobel | CEO | President and CEO |
| James H. Herlocker Iii | CHR | Chairman, President and CEO |
| Jason Mccrary | CFO | Chief Financial Officer |
| Haskell Strange | COO | SVP and COO |
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Broadstreet Bank, SSB reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Broadstreet Bank, SSB's total assets ran between $428.5M (Q4 2025) and $462.9M (Q1 2024), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$442.8M total assets against $443.0M; $393.0M total liabilities against $397.4M.
$314.1M net loans and leases against $294.0M; $343.4M total deposits against $345.2M.
$75.8M securities against $93.5M; $15.5M cash and balances due against $28.6M.
$5.9M total interest income against $5.5M; $2.1M total interest expense against $2.3M.
$3.7M net interest income against $3.2M.
$705K total noninterest income against $487K; $3.0M total noninterest expense against $2.8M.
$104K provision for credit losses against -$42K.
$1.1M net income against $746K.
1.00% return on assets against 0.68%; 3.73% net interest margin against 3.12%.
12.13% tier 1 leverage ratio against 11.32%.
Inside the full Broadstreet Bank, SSB terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBroadstreet Bank, SSB rankings
Its closest position to the top of a national ranking is 176 of 3,640, for Texas Ratio; its furthest is 2,512 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.54% (Q3 2024) to 1.00% (Q2 2026) and its net interest margin ran from 3.06% (Q3 2024) to 3.73% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.13% | 1.00% | 0.44% | 19.68% | 3.73% |
| Q1 2026 | 11.97% | 0.87% | 0.65% | 21.35% | 3.53% |
| Q4 2025 | 11.74% | 0.77% | 0.66% | 21.66% | 3.57% |
| Q3 2025 | 11.53% | 0.70% | 0.76% | 22.62% | 3.32% |
| Q2 2025 | 11.32% | 0.68% | 3.59% | 22.72% | 3.12% |
| Q1 2025 | 11.09% | 0.65% | 0.67% | 5.18% | 3.27% |
| Q4 2024 | 10.84% | 0.56% | 0.72% | 5.62% | 3.09% |
| Q3 2024 | 10.59% | 0.54% | 0.70% | 5.50% | 3.06% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 |
|---|---|---|---|
| Broadstreet Bank S S B | Mineola , TX | 75773 | $158.4M |
| 202 West Frank Branch | Grand Saline , TX | 75140 | $59.8M |
| South Main Branch | Winnsboro , TX | 75494 | $44.7M |
| Edgewood Branch | Edgewood , TX | 75117 | $38.5M |
| Lindale Branch | Lindale , TX | 75771 | $21.7M |
| Brookshire Branch | Mineola , TX | 75773 | $14.8M |
| 917 Ese Branch | Tyler , TX | 75701 | $5.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 224 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 98 applications, 56 loans originated, $15.1M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, 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 Broadstreet Bank, SSB
What are Broadstreet Bank, SSB's total assets?
As of the Q2 2026 filing, Broadstreet Bank, SSB reported total assets of $442.8 million in its FFIEC call report.
Where is Broadstreet Bank, SSB headquartered?
It is headquartered in Mineola, TX, United States.
When was Broadstreet Bank, SSB founded?
It was established in 1934, per the FDIC institution directory.
Is Broadstreet Bank, SSB FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #28868). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Broadstreet Bank, SSB?
Broadstreet Bank, SSB's primary federal regulator is the FDIC.
How many branches does Broadstreet Bank, SSB operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Broadstreet Bank, SSB's Texas Ratio?
Its Texas Ratio is 19.68% 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 Broadstreet Bank, SSB previously called?
The charter now named Broadstreet Bank, SSB has also operated as Mineola Community Bank, S.S.B. (1997-2023), per FDIC structure-change records.
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