Texas State 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 3.89 percentage points higher than in Q1 2026, at 79.35%. Among 345 Texas banks, Texas State Bank sits 13th from the top on return on assets, 2.73% as of Q2 2026. Against a median of 1.26% for banks in the $100M-1B asset tier, Texas State Bank reported 2.73% on return on assets in Q2 2026, 1.47 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.58% |
| Equity capital to assets | 12.77% |
| Tangible equity to tangible assets | 12.75% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.94% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.73% |
| Return on equity | 21.46% |
| Net interest margin | 4.73% |
| Efficiency ratio | 50.71% |
| Yield on earning assets | 5.45% |
| Cost of funds | 0.77% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.35% |
| Core deposits to total deposits | 96.21% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 83.23% |
| Securities to assets | 23.54% |
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 | 17.34% | 17.34% | 18.01% | 11.81% | 1.95% |
| Q4 2023 | 18.56% | 18.56% | 19.29% | 12.02% | 1.93% |
| Q1 2024 | 17.23% | 17.23% | 17.93% | 11.84% | 1.84% |
| Q2 2024 | 19.41% | 19.41% | 20.19% | 12.16% | 2.27% |
| Q3 2024 | 18.13% | 18.13% | 18.84% | 13.15% | 2.44% |
| Q4 2024 | 19.69% | 19.69% | 20.52% | 12.51% | 2.39% |
| Q1 2025 | 18.59% | 18.59% | 19.38% | 12.58% | 2.02% |
| Q2 2025 | 20.91% | 20.91% | 21.79% | 13.75% | 2.50% |
| Q3 2025 | 21.37% | 21.37% | 22.27% | 14.10% | 2.50% |
| Q4 2025 | 19.40% | 19.40% | 20.30% | 12.94% | 2.59% |
| Q1 2026 | — | — | — | 13.45% | 2.41% |
| Q2 2026 | — | — | — | 13.58% | 2.73% |
Texas State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Texas State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18698) · FFIEC NIC profile (RSSD 748964)