The Buckholts State Bank
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Data as of · sourced from FFIEC call reports. How we update
The Buckholts State Bank is an FDIC-insured commercial bank headquartered in Buckholts, TX, established in 1907 (FDIC certificate 11916), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $138.8M, up 7.6% from Q2 2025, the 291st largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 28.11% 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
- 11916
- Headquarters
- Buckholts, TX
- Established
- 1907
- Total assets, Q2 2026
- $138.8M
- Assets vs Q2 2025
- +7.6%
- CET1 ratio, Q2 2026
- 28.11%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 111909773
- Latest call report
- Q2 2026, FFIEC 051 · The Buckholts State Bank call report
- Asset rank in state
- 291st of 346 in Texas
The Buckholts State Bank is one of the more profitable banks of its size. Based in Buckholts, Texas, it had $139 million in assets at June 30, 2026, up 7.6% from a year earlier. It earns about $2.91 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 36 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
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 0.02% of loans from 0.53%.
As of June 30, 2026, The Buckholts State Bank reported a CET1 capital ratio of 28.11%, a return on assets of 2.91%, a nonperforming-loan ratio of 0.02% and a Texas ratio of 0.07%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, The Buckholts State Bank is the 291st largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.4% to $138.8M, loans rose 2.9% and deposits rose 0.2%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 61.7% of total loans, ahead of 1-4 family residential loans at 21.8%. The FDIC Summary of Deposits lists 3 offices for it, in Rogers, TX, Buckholts, TX and Cameron, TX; its Rogers office books 36% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Buckholts State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 100 N 4th St, Buckholts, TX 76518
- County
- Milam
- 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
- January 1, 1907
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 15
- Domestic deposits
- $114.4M
- Allowance for credit losses
- $700K
- Net charge-offs (YTD)
- $0
- Average total assets
- $137.7M
- Average total loans
- $83.5M
- Average interest-bearing deposits
- $74.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11916
- Fed RSSD
- 53051
- Website
- www.buckholtsbank.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
Over the 12 quarters to Q2 2026, The Buckholts State Bank's total assets ran between $116.3M (Q1 2024) and $138.8M (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
$138.8M total assets against $129.0M; $114.5M total liabilities against $107.0M.
$86.2M net loans and leases against $80.1M; $114.4M total deposits against $106.8M.
$35.3M securities against $29.3M; $16.3M cash and balances due against $18.6M.
$1.9M total interest income against $1.8M; $345K total interest expense against $353K.
$1.5M net interest income against $1.4M.
$58K total noninterest income against $65K; $568K total noninterest expense against $548K.
$0 provision for credit losses against $0.
$1.0M net income against $957K.
2.91% return on assets against 3.00%; 4.49% net interest margin against 4.61%.
28.11% CET1 capital ratio against 27.91%; 17.62% tier 1 leverage ratio against 17.24%.
Inside the full The Buckholts State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Buckholts State Bank rankings
Its closest position to the top of a national ranking is 81 of 3,611, for ROA; its furthest is 3,265 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 2.22% (Q4 2024) to 3.02% (Q3 2025) and its net interest margin ran from 4.36% (Q3 2024) to 4.78% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 28.11% | 2.91% | 0.02% | 0.07% | 4.49% |
| Q1 2026 | 28.70% | 2.85% | 0.00% | 0.00% | 4.37% |
| Q4 2025 | 29.32% | 2.71% | 0.10% | 0.33% | 4.78% |
| Q3 2025 | 28.22% | 3.02% | 0.50% | 1.77% | 4.46% |
| Q2 2025 | 27.91% | 3.00% | 0.53% | 1.89% | 4.61% |
| Q1 2025 | 27.39% | 2.79% | 0.55% | 1.99% | 4.45% |
| Q4 2024 | 26.97% | 2.22% | 0.56% | 2.06% | 4.54% |
| Q3 2024 | 26.86% | 2.80% | 0.60% | 2.20% | 4.36% |
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 |
|---|---|---|---|
| Rogers Branch | Rogers , TX | 76569 | $41.2M |
| The Buckholts State Bank | Buckholts , TX | 76518 | $40.0M |
| Cameron Branch | Cameron , TX | 76520 | $33.2M |
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 |
|---|---|---|---|
| March 24, 1989 | Structure Change | Acquired First State Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| March 23, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 357 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $20K approved, $20K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1998 (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
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Frequently asked about The Buckholts State Bank
What are The Buckholts State Bank's total assets?
As of the Q2 2026 filing, The Buckholts State Bank reported total assets of $138.8 million in its FFIEC call report.
Where is The Buckholts State Bank headquartered?
It is headquartered in Buckholts, TX, United States.
When was The Buckholts State Bank founded?
It was established in 1907, per the FDIC institution directory.
Is The Buckholts State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11916). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Buckholts State Bank?
The Buckholts State Bank's primary federal regulator is the FDIC.
What is The Buckholts State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 28.11% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Buckholts 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 The Buckholts State Bank's Texas Ratio?
Its Texas Ratio is 0.07% 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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