Texas Traditions Bank
BankRegReports is independent of Texas Traditions Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Texas Traditions Bank is an FDIC-insured commercial bank headquartered in Katy, TX, established in 2022 (FDIC certificate 59304), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $555.9M, the 150th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.39% 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
- 59304
- Headquarters
- Katy, TX
- Established
- 2022
- Total assets, Q2 2026
- $555.9M
- Tier 1 leverage ratio, Q2 2026
- 9.39%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 113126318
- Holding company
- TEXAS TRADITIONS BANCSHARES, INC.
- Asset rank in state
- 150th of 346 in Texas
Texas Traditions Bank leans heavily on commercial real estate. It reported $556 million in assets at June 30, 2026, against $335 million a year earlier. It holds commercial real estate loans worth 2.8 times its capital, 2.3 times the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.6%).
Earnings jumped: net income for the quarter was $1.1 million, 67% above the same quarter a year earlier. Where it has less room is capital: it funds 9.39% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Texas Traditions Bank reported a return on assets of 0.81%, 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.
By total assets at Q2 2026, Texas Traditions Bank is the 150th largest of the 346 banks headquartered in Texas. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 3.2% to $555.9M, loans rose 11.6% and deposits rose 3.2%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 28.7% of total loans, followed by owner-occupied commercial real estate loans at 20.2%. Its 2 offices in the FDIC Summary of Deposits are in Katy, TX and Webster, TX; its Katy office books 91% of its branch deposits. On its Q2 2026 call report, Texas Traditions Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 24285 Katy Fwy, Katy, TX 77494
- County
- Harris
- Metro Area
- Houston-Pasadena-The Woodlands, 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
- —
- Call Report form
- FFIEC 051
- Established
- September 6, 2022
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 58
- Domestic deposits
- $500.4M
- Allowance for credit losses
- $2.8M
- Net charge-offs (YTD)
- -$3K
- Average total assets
- $551.7M
- Average total loans
- $281.7M
- Average interest-bearing deposits
- $294.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 6, 2022
- FDIC Cert
- 59304
- Fed RSSD
- 5760439
- Website
- http://txtraditionsbank.com →
- Parent Holding Company
- TEXAS TRADITIONS BANCSHARES, INC. (RSSD 6081298)
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 Traditions Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Texas Traditions Bank's total assets moved between a low of $157.3M (Q3 2023) and a high of $555.9M (Q2 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
$555.9M total assets against $334.7M; $505.3M total liabilities against $292.6M.
$296.2M net loans and leases against $233.9M; $500.4M total deposits against $287.6M.
$186.9M securities against $35.7M; $65.5M cash and balances due against $58.6M.
$8.4M total interest income against $5.6M; $2.3M total interest expense against $1.5M.
$6.1M net interest income against $4.1M.
$114K total noninterest income against $87K; $4.3M total noninterest expense against $3.1M.
$341K provision for credit losses against $239K.
$1.1M net income against $672K.
0.81% return on assets against 0.87%; 4.42% net interest margin against 5.55%.
9.39% tier 1 leverage ratio against 13.54%.
Inside the full Texas Traditions 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.
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 Traditions Bank rankings
Its closest position to the top of a national ranking is 1,647 of 4,196, for total assets; its furthest is 3,405 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.80% (Q1 2026) to 1.41% (Q3 2024) and its net interest margin ran from 4.42% (Q2 2026) to 6.19% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.39% | 0.81% | 0.00% | 0.00% | 4.42% |
| Q1 2026 | 9.59% | 0.80% | 0.00% | 0.00% | 4.59% |
| Q4 2025 | 10.02% | 0.99% | 0.00% | 0.00% | 4.91% |
| Q3 2025 | 12.18% | 0.88% | 0.00% | 0.00% | 5.37% |
| Q2 2025 | 13.54% | 0.87% | 0.00% | 0.00% | 5.55% |
| Q1 2025 | 14.64% | 0.83% | 0.00% | 0.00% | 5.75% |
| Q4 2024 | 15.03% | 1.38% | 0.00% | 0.00% | 5.82% |
| Q3 2024 | 16.25% | 1.41% | 0.00% | 0.00% | 6.19% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 Traditions Bank (main office) | Katy , TX | 77494 | $457.6M |
| Texas Traditions Bank - Webster Branch | Webster , TX | 77598 | $42.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 187 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Texas Traditions Bank’s latest filed figures and updates each quarter.
Similar banks
Compare Texas Traditions Bank with peers
Frequently asked about Texas Traditions Bank
What are Texas Traditions Bank's total assets?
As of the Q2 2026 filing, Texas Traditions Bank reported total assets of $555.9 million in its FFIEC call report.
Where is Texas Traditions Bank headquartered?
It is headquartered in Katy, TX, United States.
When was Texas Traditions Bank founded?
It was established in 2022, per the FDIC institution directory.
Is Texas Traditions Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #59304). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Texas Traditions Bank?
Texas Traditions Bank's primary federal regulator is the FDIC.
How many branches does Texas Traditions Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Texas Traditions 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.
Go deeper on Texas Traditions Bank.
Get an email when Texas Traditions Bank files its next call report, and benchmark it against any peer you choose.
Unlock Texas Traditions Bank, freeFree account