Texas State Bank
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Data as of · sourced from FFIEC call reports. How we update
Texas State Bank is an FDIC-insured commercial bank headquartered in San Angelo, TX, established in 1963 (FDIC certificate 18698), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $425.5M, up 2.2% from Q2 2025, the 175th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.58% 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
- 18698
- Headquarters
- San Angelo, TX
- Established
- 1963
- Total assets, Q2 2026
- $425.5M
- Assets vs Q2 2025
- +2.2%
- Tier 1 leverage ratio, Q2 2026
- 13.58%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 111323906
- Latest call report
- Q2 2026, FFIEC 051 · Texas State Bank call report
- Holding company
- TEXAS BANCORP, INC.
- Asset rank in state
- 175th of 346 in Texas
Texas State Bank is one of the more profitable banks of its size. Based in San Angelo, Texas, it had $426 million in assets at June 30, 2026, up 2.2% from a year earlier. It earns about $2.73 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also pays an average of 0.77% on its deposits and borrowings, about half the median of 1.80% for banks its size. Much of that comes from cost control: it spends about 51 cents to bring in each dollar of revenue.
Net income for the quarter rose 12% from a year earlier, to $2.9 million. Over the same year, loans grew 9.8% and deposits grew 4.9%.
As of June 30, 2026, Texas State Bank reported a return on assets of 2.73%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Texas State Bank ranks as the 175th largest of the 346 banks based in Texas, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.5% to $425.5M, loans rose 2.5% and deposits fell 2.5%. 1-4 family residential loans made up 31.3% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 18.9%. Its 4 offices in the FDIC Summary of Deposits are in San Angelo, TX. Judged on its Q2 2026 call report, Texas State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 2201 Sherwood Way, San Angelo, TX 76901
- County
- Tom Green
- Metro Area
- San Angelo, 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 051
- Established
- February 16, 1963
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 71
- Domestic deposits
- $354.2M
- Allowance for credit losses
- $2.7M
- Net charge-offs (YTD)
- $4K
- Average total assets
- $423.5M
- Average total loans
- $280.6M
- Average interest-bearing deposits
- $197.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 16, 1963
- FDIC Cert
- 18698
- Fed RSSD
- 748964
- Website
- txbank.com →
- Parent Holding Company
- TEXAS BANCORP, INC. (RSSD 2472973)
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, Texas 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, Texas State Bank's total assets ranged from $386.0M (Q3 2023) to $438.7M (Q4 2023), 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
$425.5M total assets against $416.2M; $371.2M total liabilities against $364.3M.
$278.4M net loans and leases against $253.6M; $354.2M total deposits against $337.7M.
$100.2M securities against $106.3M; $24.1M cash and balances due against $32.9M.
$5.4M total interest income against $5.0M; $713K total interest expense against $899K.
$4.7M net interest income against $4.1M.
$1.4M total noninterest income against $1.5M; $3.1M total noninterest expense against $2.9M.
$60K provision for credit losses against $75K.
$2.9M net income against $2.6M.
2.73% return on assets against 2.50%; 4.73% net interest margin against 4.30%.
13.58% tier 1 leverage ratio against 13.75%.
Inside the full Texas State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeTexas State Bank rankings
Its closest position to the top of a national ranking is 111 of 3,611, for ROA; its furthest is 3,425 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 2.02% (Q1 2025) to 2.73% (Q2 2026) and its net interest margin ran from 3.87% (Q1 2025) to 4.73% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.58% | 2.73% | 0.00% | 0.00% | 4.73% |
| Q1 2026 | 13.45% | 2.41% | 0.00% | 0.00% | 4.56% |
| Q4 2025 | 12.94% | 2.59% | 0.00% | 0.00% | 4.64% |
| Q3 2025 | 14.10% | 2.50% | 0.00% | 0.00% | 4.37% |
| Q2 2025 | 13.75% | 2.50% | 0.00% | 0.00% | 4.30% |
| Q1 2025 | 12.58% | 2.02% | 0.00% | 0.00% | 3.87% |
| Q4 2024 | 12.51% | 2.39% | 0.00% | 0.00% | 4.04% |
| Q3 2024 | 13.15% | 2.44% | 0.00% | 0.00% | 3.97% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 State Bank (main office) | San Angelo , TX | 76901 | $249.8M |
| College Hills Branch | San Angelo , TX | 76904 | $73.7M |
| Chadbourne Branch | San Angelo , TX | 76903 | $30.6M |
| Drive-In Facility | San Angelo , TX | 76901 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- April 25, 2006, Federal Reserve: Written Agreement: Texas State Bank, McAllen, TX
- Period: Most recent institution action April 25, 2006. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 220 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 68 applications, 64 loans originated, $17.0M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $61K approved, $61K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1998 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 State Bank
What are Texas State Bank's total assets?
As of the Q2 2026 filing, Texas State Bank reported total assets of $425.5 million in its FFIEC call report.
Where is Texas State Bank headquartered?
It is headquartered in San Angelo, TX, United States.
When was Texas State Bank founded?
It was established in 1963, per the FDIC institution directory.
Is Texas State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #18698). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Texas State Bank?
Texas State Bank's primary federal regulator is the FDIC.
How many branches does Texas State Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Texas State Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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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