Texas Bank and Trust Company
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Data as of · sourced from FFIEC call reports. How we update
Texas Bank and Trust Company is an FDIC-insured commercial bank headquartered in Longview, TX, established in 1958 (FDIC certificate 17842), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $4.34B, down 0.1% from Q2 2025, the 25th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 15.85% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 17842
- Headquarters
- Longview, TX
- Established
- 1958
- Total assets, Q2 2026
- $4.34B
- Assets vs Q2 2025
- -0.1%
- CET1 ratio, Q2 2026
- 15.85%
- Domestic offices
- 22 FDIC institution directory, current count
- Routing number
- 111923238
- Latest call report
- Q2 2026, FFIEC 041 · Texas Bank and Trust Company call report
- Holding company
- LONGVIEW DELAWARE CORPORATION
- Asset rank in state
- 25th of 346 in Texas
Problem loans are rising at Texas Bank and Trust Company. Based in Longview, Texas, it had $4.3 billion in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.61% of loans from 0.29% a year earlier. It shrank its loan book 1.7% over the year, lower than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 5.9%). It also holds about half of its deposits (47%) above the FDIC insurance limit, higher than about three-quarters of banks its size (median 30.9%).
Net income for the quarter rose 27% from a year earlier, to $18 million. Delinquency has appeared in its $978 million non-owner-occupied commercial real estate book: 1.44% of those loans are past due or on nonaccrual, against almost none a year earlier.
As of June 30, 2026, Texas Bank and Trust Company reported a CET1 capital ratio of 15.85%, a return on assets of 1.64%, a nonperforming-loan ratio of 0.61% and a Texas ratio of 3.64%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, Texas Bank and Trust Company is the 25th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.7% to $4.34B, loans rose 1.4% and deposits fell 3.6%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 28.5% of total loans, followed by 1-4 family residential loans at 25.1%. The FDIC Summary of Deposits lists 21 offices for it, in 14 cities in TX; its Longview 5 offices book 40% of its branch deposits. By the capital ratios in its Q2 2026 call report, Texas Bank and Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 300 E Whaley St, Longview, TX 75601
- County
- Gregg
- Metro Area
- Longview, 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
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- March 4, 1958
- Former names
- Longview Bank and Trust Company (1978-2003)
- Domestic offices
- 22 FDIC institution directory, current count
- Employees (FTE)
- 509
- Domestic deposits
- $3.75B
- Allowance for credit losses
- $41.8M
- Net charge-offs (YTD)
- $118K
- Average total assets
- $4.33B
- Average total loans
- $3.41B
- Average interest-bearing deposits
- $3.14B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 4, 1958
- FDIC Cert
- 17842
- Fed RSSD
- 949154
- Website
- www.texasbankandtrust.com →
- Parent Holding Company
- LONGVIEW DELAWARE CORPORATION (RSSD 2259530)
- Ultimate Parent
- RJ POPE MANAGEMENT GP, LLC (RSSD 5842250)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Texas Bank and Trust Company's total assets moved between a low of $4.30B (Q2 2024) and a high of $4.46B (Q1 2026) from Q3 2023 to Q2 2026, 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
$4.34B total assets against $4.34B; $3.78B total liabilities against $3.85B.
$3.39B net loans and leases against $3.45B; $3.75B total deposits against $3.79B.
$427.4M securities against $450.8M; $322.5M cash and balances due against $241.3M.
$55.6M total interest income against $54.1M; $16.4M total interest expense against $20.2M.
$39.3M net interest income against $33.9M.
$9.5M total noninterest income against $8.7M; $25.8M total noninterest expense against $24.5M.
$700K provision for credit losses against $453K.
$17.8M net income against $14.0M.
1.64% return on assets against 1.28%; 3.79% net interest margin against 3.24%.
15.85% CET1 capital ratio against 14.06%; 13.10% tier 1 leverage ratio against 11.66%.
Inside the full Texas Bank and Trust Company 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.
Texas Bank and Trust Company rankings
Its closest position to the top of a national ranking is 311 of 4,196, for total assets; its furthest is 1,672 of 3,640, for Texas Ratio.
Metric pages for Texas Bank and Trust Company: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.90% (Q3 2024) to 1.64% (Q2 2026) and its net interest margin ran from 2.68% (Q3 2024) to 3.79% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.85% | 1.64% | 0.61% | 3.64% | 3.79% |
| Q1 2026 | 15.83% | 1.45% | 0.29% | 1.86% | 3.61% |
| Q4 2025 | 15.17% | 1.54% | 0.40% | 2.57% | 3.58% |
| Q3 2025 | 14.39% | 1.43% | 0.28% | 1.89% | 3.38% |
| Q2 2025 | 14.06% | 1.28% | 0.29% | 2.01% | 3.24% |
| Q1 2025 | 13.60% | 1.04% | 0.08% | 0.74% | 3.01% |
| Q4 2024 | 13.42% | 1.09% | 0.13% | 1.10% | 2.92% |
| Q3 2024 | 12.92% | 0.90% | 0.17% | 1.40% | 2.68% |
Swipe the table sideways to see every column.
Branch Network
View all 21 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 |
|---|---|---|---|
| Texas Bank and Trust Company (main office) | Longview , TX | 75601 | $1.07B |
| Richardson Branch | Richardson , TX | 75080 | $289.3M |
| Grande Boulevard Branch | Tyler , TX | 75703 | $278.8M |
| Frisco Branch | Frisco , TX | 75033 | $252.0M |
| Marshall Branch | Marshall , TX | 75670 | $235.5M |
| Lindale Branch | Lindale , TX | 75771 | $235.5M |
| Pine Tree Branch | Longview , TX | 75604 | $201.5M |
| New Canton Branch | Canton , TX | 75103 | $181.7M |
| North Longview Branch | Longview , TX | 75605 | $179.6M |
| Terrell Branch | Terrell , TX | 75160 | $162.0M |
| Tb&T Branch | Fort Worth , TX | 76107 | $114.8M |
| Forney Branch | Forney , TX | 75126 | $82.8M |
| Tyler Banking Center | Tyler , TX | 75703 | $81.2M |
| Gladewater Branch | Gladewater , TX | 75647 | $80.5M |
| Texas Bank and Trust Company Branch | Flower Mound , TX | 75022 | $79.7M |
| Van Branch | Van , TX | 75790 | $65.7M |
| Hideaway Lake Branch | Lindale , TX | 75771 | $50.3M |
| Overton Branch | Overton , TX | 75684 | $42.6M |
| Tyler Downtown Branch | Tyler , TX | 75702 | $36.3M |
| Pine Tree Convenience Center | Longview , TX | 75604 | $30.9M |
| Detached Facility | Longview , TX | 75601 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 27, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 25, 2015 | Structure Change | Acquired Vision Bank - Texas Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 7, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 7, 2013 | Structure Change | Acquired Lindale State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 2012 | Structure Change | Acquired The First National Bank of Canton Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 29, 2011 | Structure Change | Acquired First State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 28, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 16, 1988 | Structure Change | Acquired Oak Forest National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 15, 1988 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 10 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in TX, rank 44 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $1.2M approved, $1.2M average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2009 (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 Texas Bank and Trust Company
What are Texas Bank and Trust Company's total assets?
As of the Q2 2026 filing, Texas Bank and Trust Company reported total assets of $4.34 billion in its FFIEC call report.
Where is Texas Bank and Trust Company headquartered?
It is headquartered in Longview, TX, United States.
When was Texas Bank and Trust Company founded?
It was established in 1958, per the FDIC institution directory.
Is Texas Bank and Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17842). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Texas Bank and Trust Company?
Texas Bank and Trust Company's primary federal regulator is the FDIC.
What is Texas Bank and Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.85% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Texas Bank and Trust Company operate?
It operates 22 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Texas Bank and Trust Company's Texas Ratio?
Its Texas Ratio is 3.64% 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 Texas Bank and Trust Company previously called?
The charter now named Texas Bank and Trust Company has also operated as Longview Bank and Trust Company (1978-2003), per FDIC structure-change records.
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