Producer Bank of Texas
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Data as of · sourced from FFIEC call reports. How we update
Producer Bank of Texas is an FDIC-insured commercial bank headquartered in Powell, TX, established in 1910 (FDIC certificate 18302), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $58.7M, up 21.6% from Q2 2025, the 331st largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 18.61% 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
- 18302
- Headquarters
- Powell, TX
- Established
- 1910
- Total assets, Q2 2026
- $58.7M
- Assets vs Q2 2025
- +21.6%
- Tier 1 leverage ratio, Q2 2026
- 18.61%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 111912388
- Latest call report
- Q2 2026, FFIEC 051 · Producer Bank of Texas Q3 2026 call report, filed October 27, 2026 (preliminary)
- Holding company
- PRODUCER BANCORP, INC.
- Asset rank in state
- 331st of 346 in Texas
Producer Bank of Texas spends more to run itself than most banks of its size. Based in Powell, Texas, it had $59 million in assets at June 30, 2026, up 21.6% from a year earlier. It loses about $0.33 a year on every $100 of assets, lower than about 9 in 10 of the 533 banks with less than $100 million in assets (median $1.04). It also spends about 114 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 69 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 0.58% of loans from 5.25%. It lost $48,000 in the quarter. One more trend to watch: loans are outrunning deposits: over the year loans rose 53.5% and deposits rose 35.2%.
As of June 30, 2026, Producer Bank of Texas reported a return on assets of -0.33%, a nonperforming-loan ratio of 0.58% and a Texas ratio of 1.34%. The figures come from its call report filed with the FFIEC.
Producer Bank of Texas ranks as the 331st 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 $58.7M, loans rose 9.2% and deposits rose 2.3%. Commercial and industrial loans made up 34.9% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 16.7%. Its 2 offices in the FDIC Summary of Deposits are in Powell, TX and Beaumont, TX; its Powell office books 68% of its branch deposits. By the capital ratios in its Q2 2026 call report, Producer Bank of Texas meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 100 Carr St, Powell, TX 75153
- County
- Navarro
- Metro Area
- Corsicana, 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, 1910
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 14
- Domestic deposits
- $43.3M
- Allowance for credit losses
- $799K
- Net charge-offs (YTD)
- -$81K
- Average total assets
- $58.3M
- Average total loans
- $25.4M
- Average interest-bearing deposits
- $29.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 29, 1960
- FDIC Cert
- 18302
- Fed RSSD
- 856869
- Website
- producer.bank →
- Parent Holding Company
- PRODUCER BANCORP, INC. (RSSD 5962635)
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, Producer Bank of Texas reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Producer Bank of Texas's total assets moved between a low of $31.9M (Q3 2024) and a high of $58.7M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 6 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$58.7M total assets against $48.3M; $44.9M total liabilities against $34.0M.
$25.2M net loans and leases against $15.6M; $43.3M total deposits against $32.0M.
$11.7M securities against $6.8M; $15.5M cash and balances due against $20.0M.
$733K total interest income against $608K; $183K total interest expense against $141K.
$550K net interest income against $467K.
$73K total noninterest income against $49K; $748K total noninterest expense against $609K.
-$102K provision for credit losses against -$9K.
-$48K net income against -$100K.
-0.33% return on assets against -0.86%; 4.23% net interest margin against 4.51%.
18.61% tier 1 leverage ratio against 25.70%.
Inside the full Producer Bank of Texas terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -5.80% (Q3 2024) to 0.74% (Q4 2025) and its net interest margin ran from 3.82% (Q1 2025) to 4.66% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.61% | -0.33% | 0.58% | 1.34% | 4.23% |
| Q1 2026 | 20.22% | -1.36% | 0.67% | 3.32% | 4.10% |
| Q4 2025 | 21.42% | 0.74% | 0.83% | 3.33% | 4.21% |
| Q3 2025 | 24.68% | -2.95% | 4.29% | 8.93% | 4.66% |
| Q2 2025 | 25.70% | -0.86% | 5.25% | 8.90% | 4.51% |
| Q1 2025 | 24.19% | -0.58% | 7.61% | 9.66% | 3.82% |
| Q4 2024 | 24.85% | 0.41% | 7.67% | 10.07% | — |
| Q3 2024 | 9.39% | -5.80% | 1.38% | 6.54% | 3.98% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| Producer Bank of Texas (main office) | Powell , TX | 75153 | $29.2M |
| Beaumont Branch | Beaumont , TX | 77706 | $14.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 421 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2005 (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 Producer Bank of Texas
What are Producer Bank of Texas's total assets?
As of the Q2 2026 filing, Producer Bank of Texas reported total assets of $58.7 million in its FFIEC call report.
Where is Producer Bank of Texas headquartered?
It is headquartered in Powell, TX, United States.
When was Producer Bank of Texas founded?
It was established in 1910, per the FDIC institution directory.
Is Producer Bank of Texas FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #18302). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Producer Bank of Texas?
Producer Bank of Texas's primary federal regulator is the FDIC.
How many branches does Producer Bank of Texas operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Producer Bank of Texas's Texas Ratio?
Its Texas Ratio is 1.34% 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.
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