Texas Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 63.84 percentage points in Q2 2026, from 305.39% to 241.54%. It was the largest change from Q1 2026 among the key lines here. Texas Bank ranks 226th of 345 Texas banks on return on assets, in the lower half at 1.18% (Q2 2026). Texas Bank reported 1.18% on return on assets for Q2 2026, 0.07 points below the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.61% |
| Equity capital to assets | 10.62% |
| Tangible equity to tangible assets | 10.62% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.46% |
| Non-performing assets ratio | 0.35% |
| Net charge-off ratio | 0.37% |
| Texas ratio | 3.10% |
| Allowance for credit losses to loans | 1.10% |
| Reserve coverage of non-performing loans | 241.54% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.18% |
| Return on equity | 11.27% |
| Net interest margin | 4.69% |
| Efficiency ratio | 64.49% |
| Yield on earning assets | 6.85% |
| Cost of funds | 2.31% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.87% |
| Core deposits to total deposits | 90.60% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.39% |
| Securities to assets | 16.59% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.16% | 1.51% | 3.90% | 0.21% | 0.33% |
| Q4 2023 | 10.27% | 0.78% | 3.90% | 0.61% | 0.23% |
| Q1 2024 | 10.48% | 1.18% | 3.87% | 0.33% | 0.11% |
| Q2 2024 | 10.37% | 1.23% | 4.03% | 0.32% | 0.01% |
| Q3 2024 | 10.50% | 1.29% | 4.13% | 0.15% | 0.31% |
| Q4 2024 | 10.33% | 1.00% | 4.21% | 0.21% | 0.11% |
| Q1 2025 | 10.52% | 0.89% | 4.12% | 2.84% | 0.09% |
| Q2 2025 | 10.47% | 1.36% | 4.51% | 0.12% | 0.81% |
| Q3 2025 | 10.16% | 1.16% | 4.54% | 0.22% | 0.06% |
| Q4 2025 | 10.28% | 1.16% | 4.60% | 0.28% | 0.05% |
| Q1 2026 | 10.57% | 1.19% | 4.40% | 0.36% | 0.70% |
| Q2 2026 | 10.61% | 1.18% | 4.69% | 0.46% | 0.37% |
Texas Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Texas Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Texas Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21074) · FFIEC NIC profile (RSSD 414764)