Texas Regional Bank
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Data as of · sourced from FFIEC call reports. How we update
Texas Regional Bank is an FDIC-insured commercial bank headquartered in Harlingen, TX, established in 1987 (FDIC certificate 26906), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $2.95B, up 2.2% from Q2 2025, the 34th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 12.06% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 26906
- Headquarters
- Harlingen, TX
- Established
- 1987
- Total assets, Q2 2026
- $2.95B
- Assets vs Q2 2025
- +2.2%
- CET1 ratio, Q2 2026
- 12.06%
- Domestic offices
- 37 FDIC institution directory, current count
- Routing number
- 114917335
- Latest call report
- Q2 2026, FFIEC 051 · Texas Regional Bank call report
- Holding company
- TEXAS STATE BANKSHARES, INC.
- Asset rank in state
- 34th of 346 in Texas
Problem loans are rising at Texas Regional Bank. Its balance sheet stood at $2.9 billion at June 30, 2026, up 2.2% from a year earlier; it is based in Harlingen, Texas. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.59% of loans from 0.15% a year earlier. It earns about $0.58 a year on every $100 of assets, about half the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also spends about 83 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 58 cents).
Earnings jumped: net income for the quarter was $4.5 million, 72% above the same quarter a year earlier. Over the same year, loans grew 12.5% and deposits shrank 0.2%. Where it has less room is capital: it funds 8.77% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.52%).
As of June 30, 2026, Texas Regional Bank reported a CET1 capital ratio of 12.06%, a return on assets of 0.58%, a nonperforming-loan ratio of 0.59% and a Texas ratio of 8.34%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Texas Regional Bank is the 34th largest of the 346 banks headquartered in Texas. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.3% to $2.95B, loans rose 3.5% and deposits fell 2.5%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 22.3% of total loans, ahead of construction and land development loans at 18.1%. Its 36 offices in the FDIC Summary of Deposits are in 29 cities in TX; its Harlingen 2 offices book 23% of its branch deposits. By the capital ratios in its Q2 2026 call report, Texas Regional Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 6770 West Interstate 2, Harlingen, TX 78552
- County
- Cameron
- Metro Area
- Brownsville-Harlingen, TX
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- March 5, 1987
- Domestic offices
- 37 FDIC institution directory, current count
- Employees (FTE)
- 589
- Domestic deposits
- $2.48B
- Allowance for credit losses
- $20.6M
- Net charge-offs (YTD)
- $626K
- Average total assets
- $3.10B
- Average total loans
- $1.78B
- Average interest-bearing deposits
- $1.70B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- March 5, 1987
- FDIC Cert
- 26906
- Fed RSSD
- 380458
- SEC CIK
- 1485199 → filed by TEXAS STATE BANKSHARES, INC.
- Website
- www.trb.bank →
- Parent Holding Company
- TEXAS STATE BANKSHARES, INC. (RSSD 4076937)
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
Over the 12 quarters to Q2 2026, Texas Regional Bank's total assets ran between $2.66B (Q2 2024) and $2.96B (Q1 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.95B total assets against $2.89B; $2.68B total liabilities against $2.65B.
$1.78B net loans and leases against $1.58B; $2.48B total deposits against $2.49B.
$719.5M securities against $856.7M; $102.1M cash and balances due against $118.1M.
$38.2M total interest income against $36.9M; $13.7M total interest expense against $14.1M.
$24.5M net interest income against $22.7M.
$13.2M total noninterest income against $8.6M; $32.5M total noninterest expense against $27.3M.
$684K provision for credit losses against $1.1M.
$4.5M net income against $2.6M.
0.58% return on assets against 0.35%; 3.73% net interest margin against 3.49%.
12.06% CET1 capital ratio against 12.62%; 8.77% tier 1 leverage ratio against 8.68%.
Inside the full Texas Regional Bank 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.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Texas Regional Bank rankings
Its closest position to the top of a national ranking is 67 of 980, for uninsured deposits; its furthest is 3,326 of 3,606, for efficiency ratio.
Metric pages for Texas Regional Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.01% (Q1 2026) to 0.76% (Q4 2025) and its net interest margin ran from 3.17% (Q3 2024) to 3.73% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.06% | 0.58% | 0.59% | 8.34% | 3.73% |
| Q1 2026 | 12.24% | -0.01% | 1.18% | 9.20% | 3.44% |
| Q4 2025 | 12.67% | 0.76% | 0.16% | 1.27% | 3.56% |
| Q3 2025 | 12.64% | 0.70% | 0.15% | 1.11% | 3.51% |
| Q2 2025 | 12.62% | 0.35% | 0.15% | 1.23% | 3.49% |
| Q1 2025 | 13.29% | 0.22% | 0.17% | 1.32% | 3.22% |
| Q4 2024 | 13.66% | 0.09% | 0.17% | 1.30% | 3.30% |
| Q3 2024 | 13.87% | 0.34% | 0.37% | 2.66% | 3.17% |
Swipe the table sideways to see every column.
Branch Network
View all 36 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 Regional Bank (main office) | Harlingen , TX | 78552 | $357.8M |
| Mccoll Banking Center Branch | Mcallen , TX | 78503 | $295.2M |
| Harlingen Branch | Harlingen , TX | 78550 | $211.6M |
| Accessbank Texas Branch | Denton , TX | 76201 | $165.7M |
| Mission Banking Center Branch | Mission , TX | 78572 | $124.6M |
| Blanco Branch | Blanco , TX | 78606 | $115.7M |
| Mcallen Banking Center Branch | Mcallen , TX | 78504 | $110.7M |
| Boca Chica Branch | Brownsville , TX | 78521 | $95.2M |
| Edinburg Jackson Road | Edinburg , TX | 78539 | $84.6M |
| Dripping Springs Branch | Dripping Springs , TX | 78620 | $83.1M |
| Brownsville Banking Center Branch | Brownsville , TX | 78526 | $81.8M |
| Bulverde Branch | Spring Branch , TX | 78070 | $72.5M |
| Accessbank Texas Krum Branch | Krum , TX | 76249 | $64.3M |
| Weslaco Banking Center Branch | Weslaco , TX | 78596 | $63.1M |
| Old Preston National Bank Branch | Dallas , TX | 75240 | $57.4M |
| San Marcos Branch | San Marcos , TX | 78666 | $51.3M |
| Fredericksburg Branch | Fredericksburg , TX | 78624 | $51.1M |
| Edinburg Banking Center Branch | Edinburg , TX | 78539 | $49.6M |
| Lakeway Branch | Bee Cave , TX | 78738 | $47.6M |
| Houston Memorial Branch | Houston , TX | 77024 | $47.3M |
| Wimberley Branch | Wimberley , TX | 78676 | $38.9M |
| Falfurrias Banking Center Branch | Falfurrias , TX | 78355 | $30.1M |
| San Antonio Branch | San Antonio , TX | 78258 | $24.0M |
| Johnson City | Johnson City , TX | 78636 | $22.8M |
| 23rd Street Banking Center Branch | Mcallen , TX | 78504 | $18.6M |
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 1, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2022 | Structure Change | Acquired AccessBank Texas Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 25, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 25, 2017 | Structure Change | Acquired The Blanco National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 16, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 16, 2013 | Structure Change | Acquired Border Capital Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in TX, rank 57 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 463 applications, 364 loans originated, $166.1M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $1.7M approved, $1.7M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2018 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Regional Bank
What are Texas Regional Bank's total assets?
As of the Q2 2026 filing, Texas Regional Bank reported total assets of $2.95 billion in its FFIEC call report.
Where is Texas Regional Bank headquartered?
It is headquartered in Harlingen, TX, United States.
When was Texas Regional Bank founded?
It was established in 1987, per the FDIC institution directory.
Is Texas Regional Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #26906). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Texas Regional Bank?
Texas Regional Bank's primary federal regulator is the Federal Reserve.
What is Texas Regional Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.06% in its Q2 2026 call report, above regulatory requirements.
How many branches does Texas Regional Bank operate?
It operates 37 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Texas Regional Bank's Texas Ratio?
Its Texas Ratio is 8.34% 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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