Robert Lee State Bank
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Data as of · sourced from FFIEC call reports. How we update
Robert Lee State Bank is an FDIC-insured commercial bank headquartered in Robert Lee, TX, established in 1936 (FDIC certificate 15442), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $42.9M, down 3.1% from Q2 2025, the 341st largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.09% 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
- 15442
- Headquarters
- Robert Lee, TX
- Established
- 1936
- Total assets, Q2 2026
- $42.9M
- Assets vs Q2 2025
- -3.1%
- Tier 1 leverage ratio, Q2 2026
- 14.09%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 111321827
- Holding company
- ROBERT LEE BANCSHARES, INC.
- Asset rank in state
- 341st of 346 in Texas
Robert Lee State Bank, based in Robert Lee, Texas, reported $43 million in assets at June 30, 2026, down 3.1% from a year earlier. It pays an average of 0.66% on its deposits and borrowings, about half the median of 1.53% for the 583 banks with less than $100 million in assets. It also lost 4.6% of its deposits over the year, lower than about three-quarters of banks its size (median 2.5%).
The commercial and industrial book ($1.5 million) is worsening: 33.20% of it is past due or on nonaccrual, up from 26.02% a year earlier. Net income for the quarter slipped 30% from a year earlier, to $68,000. One more trend to watch: problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.09% of loans from 1.82% a year earlier.
As of June 30, 2026, Robert Lee State Bank reported a return on assets of 0.59%, a nonperforming-loan ratio of 2.09% and a Texas ratio of 5.24%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, Robert Lee State Bank is the 341st largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 8.1% to $42.9M, loans fell 5.8% and deposits fell 9.0%. 1-4 family residential loans made up 53.0% of its total loans on June 30, 2026, its largest category; next came other consumer loans at 15.8%. Its one office in the FDIC Summary of Deposits is in Robert Lee, TX. By the capital ratios in its Q2 2026 call report, Robert Lee State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 621 Austin St, Robert Lee, TX 76945
- County
- Coke
- 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
- October 23, 1936
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 11
- Domestic deposits
- $37.2M
- Allowance for credit losses
- $171K
- Net charge-offs (YTD)
- $43K
- Average total assets
- $45.8M
- Average total loans
- $15.4M
- Average interest-bearing deposits
- $28.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 10, 1936
- FDIC Cert
- 15442
- Fed RSSD
- 803265
- Website
- www.robertleestatebank.com →
- Parent Holding Company
- ROBERT LEE BANCSHARES, INC. (RSSD 2155212)
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, Robert Lee State Bank 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, Robert Lee State Bank's total assets ranged from $40.0M (Q4 2024) to $47.9M (Q1 2024), and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$42.9M total assets against $44.2M; $37.2M total liabilities against $39.1M.
$14.5M net loans and leases against $15.2M; $37.2M total deposits against $39.0M.
$23.0M securities against $23.0M; $4.1M cash and balances due against $4.7M.
$458K total interest income against $483K; $67K total interest expense against $77K.
$391K net interest income against $406K.
$59K total noninterest income against $52K; $366K total noninterest expense against $361K.
$10K provision for credit losses against $0.
$68K net income against $97K.
0.59% return on assets against 0.81%; 3.76% net interest margin against 3.75%.
14.09% tier 1 leverage ratio against 13.12%.
Inside the full Robert Lee State Bank 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 -0.97% (Q4 2024) to 0.81% (Q2 2025) and its net interest margin ran from 2.50% (Q4 2024) to 3.76% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.09% | 0.59% | 2.09% | 5.24% | 3.76% |
| Q1 2026 | 12.83% | -0.01% | 2.11% | 5.62% | 3.29% |
| Q4 2025 | 14.03% | -0.22% | 2.29% | 6.40% | 3.51% |
| Q3 2025 | 14.20% | 0.46% | 3.08% | 8.67% | 3.69% |
| Q2 2025 | 13.12% | 0.81% | 1.82% | 5.16% | 3.75% |
| Q1 2025 | 12.96% | 0.37% | 0.72% | 2.08% | 3.50% |
| Q4 2024 | 14.14% | -0.97% | 0.72% | 2.16% | 2.50% |
| Q3 2024 | 14.10% | 0.57% | 1.46% | 4.01% | 3.54% |
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 |
|---|---|---|---|
| Robert Lee State Bank (main office) | Robert Lee , TX | 76945 | $37.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 426 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $450K approved, $450K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1999 (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 Robert Lee State Bank
What are Robert Lee State Bank's total assets?
As of the Q2 2026 filing, Robert Lee State Bank reported total assets of $42.9 million in its FFIEC call report.
Where is Robert Lee State Bank headquartered?
It is headquartered in Robert Lee, TX, United States.
When was Robert Lee State Bank founded?
It was established in 1936, per the FDIC institution directory.
Is Robert Lee State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15442). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Robert Lee State Bank?
Robert Lee State Bank's primary federal regulator is the FDIC.
How many branches does Robert Lee 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 Robert Lee State Bank's Texas Ratio?
Its Texas Ratio is 5.24% 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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