TexasBank: 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: 4.02 percentage points higher than in Q1 2026, at 106.54%. TexasBank ranks 37th of 345 Texas banks on return on assets, in the upper half at 2.35% (Q2 2026). TexasBank's return on assets of 2.35% is well above the 1.27% median for banks in the $1B-10B asset tier, a gap of 1.08 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.39% |
| Tier 1 risk-based capital ratio | 17.39% |
| Total risk-based capital ratio | 18.64% |
| Tier 1 leverage ratio | 12.87% |
| Equity capital to assets | 12.65% |
| Tangible equity to tangible assets | 12.59% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.70% |
| Non-performing assets ratio | 0.95% |
| Net charge-off ratio | 0.06% |
| Texas ratio | 5.16% |
| Allowance for credit losses to loans | 1.19% |
| Reserve coverage of non-performing loans | 169.71% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.35% |
| Return on equity | 18.64% |
| Net interest margin | 5.03% |
| Efficiency ratio | 53.64% |
| Yield on earning assets | 7.31% |
| Cost of funds | 2.59% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 106.54% |
| Core deposits to total deposits | 85.74% |
| Brokered deposits to total deposits | 4.20% |
| Deposits to assets | 80.96% |
| Securities to assets | 3.35% |
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 | 16.15% | 16.15% | 17.40% | 10.47% | 1.76% |
| Q4 2023 | 16.58% | 16.58% | 17.84% | 10.85% | 1.96% |
| Q1 2024 | 16.90% | 16.90% | 18.16% | 10.56% | 1.62% |
| Q2 2024 | 16.87% | 16.87% | 18.12% | 10.72% | 1.72% |
| Q3 2024 | 17.54% | 17.54% | 18.79% | 11.05% | 1.72% |
| Q4 2024 | 18.38% | 18.38% | 19.63% | 10.93% | 1.89% |
| Q1 2025 | 18.21% | 18.21% | 19.46% | 10.79% | 1.39% |
| Q2 2025 | 17.05% | 17.05% | 18.30% | 11.45% | 1.82% |
| Q3 2025 | 17.47% | 17.47% | 18.72% | 12.02% | 2.02% |
| Q4 2025 | 17.91% | 17.91% | 19.16% | 12.30% | 1.99% |
| Q1 2026 | 17.59% | 17.59% | 18.84% | 12.67% | 2.32% |
| Q2 2026 | 17.39% | 17.39% | 18.64% | 12.87% | 2.35% |
TexasBank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock TexasBank, 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 TexasBank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19559) · FFIEC NIC profile (RSSD 232856)