The Donley County State Bank
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Data as of · sourced from FFIEC call reports. How we update
The Donley County State Bank is an FDIC-insured commercial bank headquartered in Clarendon, TX, established in 1906 (FDIC certificate 11891), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $49.7M, up 5.6% from Q2 2025, the 340th largest of 346 banks headquartered in Texas.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 11891
- Headquarters
- Clarendon, TX
- Established
- 1906
- Total assets, Q2 2026
- $49.7M
- Assets vs Q2 2025
- +5.6%
- Capital ratio
- Not reported
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 111304349
- Latest call report
- Q2 2026, FFIEC 051 · The Donley County State Bank call report
- Holding company
- DONLEY COUNTY BANCSHARES, INC.
- Asset rank in state
- 340th of 346 in Texas
Problem loans are rising at The Donley County State Bank. Its balance sheet stood at $50 million at June 30, 2026, up 5.6% from a year earlier; it is based in Clarendon, Texas. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.77% of loans from 0.39% a year earlier. It keeps 2.74 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 3.87 cents). It also shrank its loan book 12.5% over the year, lower than about 9 in 10 banks its size (median 2.6%).
Earnings fell sharply: quarterly net income of $84,000 was 50% below a year earlier. Over the same year, loans shrank 12.5% and deposits grew 4.3%. Profitability lags: it returns 3.3% a year on shareholders' equity, about a third the median of 8.6% for banks its size.
As of June 30, 2026, The Donley County State Bank reported a CET1 capital ratio of 68.33%, a return on assets of 0.69%, a nonperforming-loan ratio of 2.77% and a Texas ratio of 1.91%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Donley County State Bank is the 340th largest of the 346 banks headquartered in Texas. Between Q1 2026 and Q2 2026, its total assets rose 5.0% to $49.7M, loans rose 9.6% and deposits rose 6.1%. Its loan book on June 30, 2026 was led by agricultural production loans, at 43.9% of total loans, followed by farmland and other real estate loans at 18.4%. The FDIC Summary of Deposits lists a single office for it, in Clarendon, TX. On its Q2 2026 call report, The Donley County State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 201 South Kearney St, Clarendon, TX 79226
- County
- Donley
- 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, 1906
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 9
- Domestic deposits
- $39.1M
- Allowance for credit losses
- $245K
- Net charge-offs (YTD)
- $0
- Average total assets
- $49.0M
- Average total loans
- $7.1M
- Average interest-bearing deposits
- $28.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11891
- Fed RSSD
- 753856
- Website
- donleybank.com →
- Parent Holding Company
- DONLEY COUNTY BANCSHARES, INC. (RSSD 2126669)
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
From Q3 2023 to Q2 2026, The Donley County State Bank's total assets ranged from $46.3M (Q2 2024) to $50.1M (Q4 2024), 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
$49.7M total assets against $47.0M; $39.4M total liabilities against $37.8M.
$7.0M net loans and leases against $8.0M; $39.1M total deposits against $37.5M.
$23.3M securities against $23.0M; $17.9M cash and balances due against $15.2M.
$447K total interest income against $502K; $170K total interest expense against $172K.
$277K net interest income against $330K.
$128K total noninterest income against $129K; $314K total noninterest expense against $284K.
$7K provision for credit losses against $8K.
$84K net income against $167K.
0.69% return on assets against 1.41%; 2.74% net interest margin against 3.23%.
68.33% CET1 capital ratio against 57.38%; 20.86% tier 1 leverage ratio against 19.37%.
Inside the full The Donley County State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.69% (Q2 2026) to 4.61% (Q3 2025) and its net interest margin ran from 2.56% (Q1 2026) to 3.23% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 68.33% | 0.69% | 2.77% | 1.91% | 2.74% |
| Q1 2026 | 70.30% | 1.06% | 3.07% | 1.95% | 2.56% |
| Q4 2025 | 67.62% | 2.11% | 3.01% | 2.01% | 2.72% |
| Q3 2025 | 64.97% | 4.61% | 22.04% | 16.23% | 2.74% |
| Q2 2025 | 57.38% | 1.41% | 0.39% | 0.34% | 3.23% |
| Q1 2025 | 55.37% | 1.13% | 0.40% | 0.37% | 2.86% |
| Q4 2024 | 53.81% | 1.20% | 0.41% | 0.37% | 2.79% |
| Q3 2024 | 54.75% | 1.14% | 0.43% | 0.39% | 2.73% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| The Donley County State Bank | Clarendon , TX | 79226 | $39.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 423 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $539K approved, $270K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2001 (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 Donley County State Bank
What are The Donley County State Bank's total assets?
As of the Q2 2026 filing, The Donley County State Bank reported total assets of $49.7 million in its FFIEC call report.
Where is The Donley County State Bank headquartered?
It is headquartered in Clarendon, TX, United States.
When was The Donley County State Bank founded?
It was established in 1906, per the FDIC institution directory.
Is The Donley County State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11891). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Donley County State Bank?
The Donley County State Bank's primary federal regulator is the FDIC.
What is The Donley County State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 68.33% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Donley County State Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Donley County State Bank's Texas Ratio?
Its Texas Ratio is 1.91% 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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