Primebank of Texas
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Data as of · sourced from FFIEC call reports. How we update
Primebank of Texas is an FDIC-insured commercial bank headquartered in Austin, TX, established in 2003 (FDIC certificate 57495), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $279.7M, up 23.9% from Q2 2025, the 222nd largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.66% 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
- 57495
- Headquarters
- Austin, TX
- Established
- 2003
- Total assets, Q2 2026
- $279.7M
- Assets vs Q2 2025
- +23.9%
- Tier 1 leverage ratio, Q2 2026
- 11.66%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 114924690
- Latest call report
- Q2 2026, FFIEC 051 · Primebank of Texas call report
- Holding company
- BAT INVESTMENTS, INC.
- Asset rank in state
- 222nd of 346 in Texas
Primebank of Texas is growing quickly. The Austin, Texas bank had $280 million in assets at June 30, 2026, up 23.9% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 2.6%). It also grew its loan book 28.2% over the year, 5.2 times the median of 5.5% for banks its size.
Earnings jumped: net income for the quarter was $1.3 million, 55% above the same quarter a year earlier. 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, Primebank of Texas reported a return on assets of 1.82%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Primebank of Texas ranks as the 222nd largest of the 346 banks based in Texas, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.6% to $279.7M, loans rose 6.2% and deposits rose 1.2%. Non-owner-occupied commercial real estate loans made up 22.7% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 22.3%. The FDIC Summary of Deposits lists 3 offices for it, in Austin, TX, Carrizo Springs, TX and Crystal City, TX; its Austin office books 41% of its branch deposits. By the capital ratios in its Q2 2026 call report, Primebank of Texas meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 4301 Westbank Dr, Austin, TX 78746
- County
- Travis
- Metro Area
- Austin-Round Rock-San Marcos, 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
- May 9, 2003
- Former names
- Capital Bank of Texas (2018-2022)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 30
- Domestic deposits
- $244.2M
- Allowance for credit losses
- $2.0M
- Net charge-offs (YTD)
- $3K
- Average total assets
- $276.6M
- Average total loans
- $180.0M
- Average interest-bearing deposits
- $195.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 9, 2003
- FDIC Cert
- 57495
- Fed RSSD
- 3134399
- Website
- https://www.prime.bank →
- Parent Holding Company
- BAT INVESTMENTS, INC. (RSSD 5592313)
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, Primebank of 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, Primebank of Texas's total assets ranged from $172.2M (Q3 2023) to $290.4M (Q4 2025), 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
$279.7M total assets against $225.8M; $245.2M total liabilities against $195.4M.
$184.2M net loans and leases against $143.7M; $244.2M total deposits against $194.3M.
$30.0M securities against $32.9M; $51.8M cash and balances due against $35.6M.
$4.3M total interest income against $3.4M; $1.2M total interest expense against $1.0M.
$3.1M net interest income against $2.4M.
$213K total noninterest income against $209K; $1.6M total noninterest expense against $1.4M.
$123K provision for credit losses against $97K.
$1.3M net income against $811K.
1.82% return on assets against 1.46%; 4.67% net interest margin against 4.46%.
11.66% tier 1 leverage ratio against 12.87%.
Inside the full Primebank of Texas 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.
Primebank of Texas rankings
Its closest position to the top of a national ranking is 608 of 3,606, for efficiency ratio; its furthest is 3,485 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.07% (Q4 2024) to 1.82% (Q2 2026) and its net interest margin ran from 3.80% (Q1 2025) to 4.67% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.66% | 1.82% | 0.00% | 0.00% | 4.67% |
| Q1 2026 | 11.57% | 1.65% | 0.00% | 0.00% | 4.21% |
| Q4 2025 | 10.49% | 1.65% | 0.00% | 0.00% | 4.31% |
| Q3 2025 | 12.19% | 1.57% | 0.00% | 0.00% | 4.32% |
| Q2 2025 | 12.87% | 1.46% | 0.00% | 0.00% | 4.46% |
| Q1 2025 | 13.10% | 1.10% | 0.00% | 0.00% | 3.80% |
| Q4 2024 | 12.99% | 1.07% | 0.00% | 0.00% | 3.86% |
| Q3 2024 | 14.22% | 1.13% | 0.00% | 0.00% | 3.92% |
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 |
|---|---|---|---|
| Primebank of Texas (main office) | Austin , TX | 78746 | $99.9M |
| Carrizo Springs Branch | Carrizo Springs , TX | 78834 | $94.8M |
| Crystal City Branch | Crystal City , TX | 78839 | $49.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 273 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $92K approved, $92K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1994 (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 Primebank of Texas
What are Primebank of Texas's total assets?
As of the Q2 2026 filing, Primebank of Texas reported total assets of $279.7 million in its FFIEC call report.
Where is Primebank of Texas headquartered?
It is headquartered in Austin, TX, United States.
When was Primebank of Texas founded?
It was established in 2003, per the FDIC institution directory.
Is Primebank of Texas FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57495). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Primebank of Texas?
Primebank of Texas's primary federal regulator is the FDIC.
How many branches does Primebank of Texas 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 Primebank of Texas's Texas Ratio?
Its Texas Ratio is 0.00% 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 Primebank of Texas previously called?
The charter now named Primebank of Texas has also operated as Capital Bank of Texas (2018-2022), per FDIC structure-change records.
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