The Lytle State Bank of Lytle, Texas
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Data as of · sourced from FFIEC call reports. How we update
The Lytle State Bank of Lytle, Texas is an FDIC-insured commercial bank headquartered in Lytle, TX, established in 1910 (FDIC certificate 15501), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $114.6M, up 6.9% from Q2 2025, the 303rd largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.59% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 15501
- Headquarters
- Lytle, TX
- Established
- 1910
- Total assets, Q2 2026
- $114.6M
- Assets vs Q2 2025
- +6.9%
- Tier 1 leverage ratio, Q2 2026
- 14.59%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 114911519
- Latest call report
- Q2 2026, FFIEC 051 · The Lytle State Bank of Lytle, Texas call report
- Asset rank in state
- 303rd of 346 in Texas
Problem loans are rising at The Lytle State Bank of Lytle, Texas. Based in Lytle, Texas, it had $115 million in assets at June 30, 2026, up 6.9% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.53% of loans from 0.21% a year earlier. It earns about $0.43 a year on every $100 of assets, about a third the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 84 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Its securities portfolio is underwater by $6.7 million, an amount equal to 39% of Tier 1 capital. Loans and deposits moved in opposite directions: over the year loans fell 2.5% and deposits rose 7.1%. One more trend to watch: earnings fell sharply: quarterly net income of $127,000 was 35% below a year earlier.
As of June 30, 2026, The Lytle State Bank of Lytle, Texas reported a return on assets of 0.43%, a nonperforming-loan ratio of 0.53% and a Texas ratio of 1.83%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, The Lytle State Bank of Lytle, Texas is the 303rd largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.8% to $114.6M, loans rose 1.0% and deposits rose 2.2%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 20.7% of total loans, ahead of other consumer loans at 20.6%. The FDIC Summary of Deposits lists a single office for it, in Lytle, TX. On its Q2 2026 call report, The Lytle State Bank of Lytle, Texas meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 14631 S. Fm 2790 W., Lytle, TX 78052
- County
- Atascosa
- Metro Area
- San Antonio-New Braunfels, 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
- September 14, 1910
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 22
- Domestic deposits
- $101.1M
- Allowance for credit losses
- $417K
- Net charge-offs (YTD)
- $57K
- Average total assets
- $119.4M
- Average total loans
- $42.7M
- Average interest-bearing deposits
- $75.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 10, 1937
- FDIC Cert
- 15501
- Fed RSSD
- 830252
- Website
- www.lytlestatebank.com →
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, The Lytle State Bank of Lytle, Texas reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The Lytle State Bank of Lytle, Texas's total assets ranged from $107.3M (Q2 2025) to $117.4M (Q3 2023), 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
$114.6M total assets against $107.3M; $102.5M total liabilities against $95.8M.
$42.8M net loans and leases against $43.9M; $101.1M total deposits against $94.3M.
$58.4M securities against $51.7M; $6.4M cash and balances due against $5.5M.
$1.3M total interest income against $1.2M; $271K total interest expense against $171K.
$1.0M net interest income against $1.0M.
$228K total noninterest income against $211K; $1.0M total noninterest expense against $908K.
$50K provision for credit losses against $75K.
$127K net income against $195K.
0.43% return on assets against 0.68%; 3.65% net interest margin against 3.76%.
14.59% tier 1 leverage ratio against 15.26%.
Inside the full The Lytle State Bank of Lytle, Texas terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Lytle State Bank of Lytle, Texas rankings
Its closest position to the top of a national ranking is 2,328 of 3,640, for Texas Ratio; its furthest is 3,352 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.26% (Q3 2025) to 0.73% (Q4 2024) and its net interest margin ran from 3.43% (Q3 2024) to 3.84% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.59% | 0.43% | 0.53% | 1.83% | 3.65% |
| Q1 2026 | 15.25% | 0.42% | 0.12% | 0.39% | 3.84% |
| Q4 2025 | 15.46% | 0.31% | 0.39% | 1.34% | 3.73% |
| Q3 2025 | 15.53% | 0.26% | 0.21% | 0.71% | 3.80% |
| Q2 2025 | 15.26% | 0.68% | 0.21% | 0.78% | 3.76% |
| Q1 2025 | 15.10% | 0.57% | 0.24% | 0.95% | 3.70% |
| Q4 2024 | 15.03% | 0.73% | 0.21% | 0.91% | 3.72% |
| Q3 2024 | 14.69% | 0.57% | 0.00% | 0.00% | 3.43% |
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 Lytle State Bank of Lytle, Texas | Lytle , TX | 78052 | $101.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 367 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $35K approved, $35K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1995 (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 Lytle State Bank of Lytle, Texas
What are The Lytle State Bank of Lytle, Texas's total assets?
As of the Q2 2026 filing, The Lytle State Bank of Lytle, Texas reported total assets of $114.6 million in its FFIEC call report.
Where is The Lytle State Bank of Lytle, Texas headquartered?
It is headquartered in Lytle, TX, United States.
When was The Lytle State Bank of Lytle, Texas founded?
It was established in 1910, per the FDIC institution directory.
Is The Lytle State Bank of Lytle, Texas FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15501). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Lytle State Bank of Lytle, Texas?
The Lytle State Bank of Lytle, Texas's primary federal regulator is the FDIC.
How many branches does The Lytle State Bank of Lytle, Texas 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 Lytle State Bank of Lytle, Texas's Texas Ratio?
Its Texas Ratio is 1.83% 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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