Texas Bank and Trust Company: 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 94.41 percentage points in Q2 2026, from 305.12% to 210.71%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Texas Bank and Trust Company is 136th of 345 on return on assets, 1.64% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Texas Bank and Trust Company sits 0.37 points higher, at 1.64% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.85% |
| Tier 1 risk-based capital ratio | 15.85% |
| Total risk-based capital ratio | 17.10% |
| Tier 1 leverage ratio | 13.10% |
| Equity capital to assets | 12.90% |
| Tangible equity to tangible assets | 12.50% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.58% |
| Non-performing assets ratio | 0.46% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 3.64% |
| Allowance for credit losses to loans | 1.22% |
| Reserve coverage of non-performing loans | 210.71% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.64% |
| Return on equity | 12.95% |
| Net interest margin | 3.79% |
| Efficiency ratio | 52.75% |
| Yield on earning assets | 5.37% |
| Cost of funds | 1.55% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.52% |
| Core deposits to total deposits | 90.70% |
| Brokered deposits to total deposits | 1.04% |
| Deposits to assets | 86.43% |
| Securities to assets | 9.85% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.89% | 11.89% | 13.14% | 10.19% | 0.97% |
| Q4 2023 | 12.16% | 12.16% | 13.41% | 10.36% | 0.88% |
| Q1 2024 | 12.45% | 12.45% | 13.70% | 10.48% | 1.02% |
| Q2 2024 | 12.79% | 12.79% | 14.04% | 10.87% | 0.92% |
| Q3 2024 | 12.92% | 12.92% | 14.17% | 10.91% | 0.90% |
| Q4 2024 | 13.42% | 13.42% | 14.67% | 10.99% | 1.09% |
| Q1 2025 | 13.60% | 13.60% | 14.85% | 11.31% | 1.04% |
| Q2 2025 | 14.06% | 14.06% | 15.31% | 11.66% | 1.28% |
| Q3 2025 | 14.39% | 14.39% | 15.64% | 11.92% | 1.43% |
| Q4 2025 | 15.17% | 15.17% | 16.42% | 12.29% | 1.54% |
| Q1 2026 | 15.83% | 15.83% | 17.08% | 12.52% | 1.45% |
| Q2 2026 | 15.85% | 15.85% | 17.10% | 13.10% | 1.64% |
Texas Bank and Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Texas Bank and Trust Company, 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 and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17842) · FFIEC NIC profile (RSSD 949154)