Greater State Bank
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Data as of · sourced from FFIEC call reports. How we update
Greater State Bank is an FDIC-insured commercial bank headquartered in McAllen, TX, established in 1974 (FDIC certificate 31762), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $180.2M, up 5.4% from Q2 2025, the 264th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 14.45% 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
- 31762
- Headquarters
- McAllen, TX
- Established
- 1974
- Total assets, Q2 2026
- $180.2M
- Assets vs Q2 2025
- +5.4%
- CET1 ratio, Q2 2026
- 14.45%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 314973548
- Latest call report
- Q2 2026, FFIEC 051 · Greater State Bank call report
- Holding company
- GREATER STATE BANCSHARES CORP.
- Asset rank in state
- 264th of 346 in Texas
Greater State Bank earns an unusually wide margin on its lending. Its balance sheet stood at $180 million at June 30, 2026, up 5.4% from a year earlier; it is based in Mcallen, Texas. It keeps 6.15 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also grew its loan book 13.5% over the year, 2.5 times the median of 5.5% for banks its size.
Net income for the quarter rose 13% from a year earlier, to $600,000. Over the same year, loans grew 13.5% and deposits grew 4.7%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.2 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Greater State Bank reported a CET1 capital ratio of 14.45%, a return on assets of 1.34%, a nonperforming-loan ratio of 0.05% and a Texas ratio of 0.34%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, Greater State Bank is the 264th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.4% to $180.2M, loans rose 2.5% and deposits fell 0.6%. The largest part of its loan book on June 30, 2026 was owner-occupied commercial real estate loans, at 20.5% of total loans, ahead of 1-4 family residential loans at 20.4%. The FDIC Summary of Deposits lists 6 offices for it, in 6 cities in TX; its Mcallen office books 52% of its branch deposits. Judged on its Q2 2026 call report, Greater State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 3300 N 10th St, McAllen, TX 78501
- County
- Hidalgo
- Metro Area
- McAllen-Edinburg-Mission, 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
- January 1, 1974
- Former names
- Greater South Texas Bank (2006-2013); Greater South Texas Bank, FSB (1995-2004); Greater South Texas Savings Bank (1990-1995)
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 52
- Domestic deposits
- $159.3M
- Allowance for credit losses
- $1.5M
- Net charge-offs (YTD)
- $34K
- Average total assets
- $179.7M
- Average total loans
- $140.4M
- Average interest-bearing deposits
- $102.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 31762
- Fed RSSD
- 518877
- Website
- greaterstate.bank →
- Parent Holding Company
- GREATER STATE BANCSHARES CORP. (RSSD 5041286)
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, Greater State Bank's total assets ranged from $147.9M (Q3 2023) to $180.9M (Q1 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
$180.2M total assets against $171.0M; $160.4M total liabilities against $153.4M.
$141.5M net loans and leases against $124.5M; $159.3M total deposits against $152.1M.
$2.0M securities against $8.9M; $26.3M cash and balances due against $29.5M.
$3.2M total interest income against $2.9M; $642K total interest expense against $650K.
$2.6M net interest income against $2.2M.
$355K total noninterest income against $336K; $2.1M total noninterest expense against $1.9M.
$22K provision for credit losses against $57K.
$600K net income against $531K.
1.34% return on assets against 1.25%; 6.15% net interest margin against 5.63%.
14.45% CET1 capital ratio against 15.16%; 11.05% tier 1 leverage ratio against 10.47%.
Inside the full Greater State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Greater State Bank rankings
Its closest position to the top of a national ranking is 1,664 of 3,611, for ROA; its furthest is 3,059 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.19% (Q1 2026) to 1.47% (Q1 2025) and its net interest margin ran from 4.89% (Q3 2024) to 6.15% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.45% | 1.34% | 0.05% | 0.34% | 6.15% |
| Q1 2026 | 14.37% | 1.19% | 0.03% | 0.22% | 5.93% |
| Q4 2025 | 14.30% | 1.40% | 0.03% | 0.20% | 6.09% |
| Q3 2025 | 15.31% | 1.34% | 0.04% | 0.25% | 5.78% |
| Q2 2025 | 15.16% | 1.25% | 0.04% | 0.25% | 5.63% |
| Q1 2025 | 15.46% | 1.47% | 0.04% | 0.26% | 5.19% |
| Q4 2024 | 16.19% | 1.33% | 0.05% | 0.33% | 5.00% |
| Q3 2024 | 14.20% | 1.37% | 0.05% | 0.36% | 4.89% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 |
|---|---|---|---|
| Greater State Bank (main office) | Mcallen , TX | 78501 | $82.2M |
| Weslaco Branch | Weslaco , TX | 78596 | $23.7M |
| Falfurrias Branch | Falfurrias , TX | 78355 | $21.5M |
| Mccoll Edinburg Branch | Edinburg , TX | 78539 | $18.9M |
| 412 N Smith Branch | Hebbronville , TX | 78361 | $8.0M |
| Salinas Boulevard Donna Branch | Donna , TX | 78537 | $4.9M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 5 against the institution (OCC (former OTS)); 3 against individuals associated with it
- March 17, 2004, OCC (former OTS): Cease and Desist: Greater South Texas Bank, FSB
- March 28, 2002, OCC (former OTS): Cease and Desist: Greater South Texas Bank, FSB
- November 20, 2001, OCC (former OTS): Cease and Desist: Greater South Texas Bank, FSB
- July 3, 2001, OCC (former OTS): Supervisory Agreement: Greater South Texas Bank, FSB
- November 16, 1993, OCC (former OTS): Supervisory Agreement: Greater South Texas Bank, F.S.B.
- Period: Most recent institution action March 17, 2004. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 317 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 3 loans, $600K approved, $200K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 Greater State Bank
What are Greater State Bank's total assets?
As of the Q2 2026 filing, Greater State Bank reported total assets of $180.2 million in its FFIEC call report.
Where is Greater State Bank headquartered?
It is headquartered in McAllen, TX, United States.
When was Greater State Bank founded?
It was established in 1974, per the FDIC institution directory.
Is Greater State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #31762). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Greater State Bank?
Greater State Bank's primary federal regulator is the FDIC.
What is Greater State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.45% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Greater State Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Greater State Bank's Texas Ratio?
Its Texas Ratio is 0.34% 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 Greater State Bank previously called?
The charter now named Greater State Bank has also operated as Greater South Texas Bank (2006-2013), Greater South Texas Bank, FSB (1995-2004), Greater South Texas Savings Bank (1990-1995), per FDIC structure-change records.
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