Trusttexas Bank, S.S.B.
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Data as of · sourced from FFIEC call reports. How we update
Trusttexas Bank, S.S.B. is an FDIC-insured savings bank headquartered in Cuero, TX, established in 1921 (FDIC certificate 28515), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $393.6M, up 10.8% from Q2 2025, the 182nd largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 17.51% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 28515
- Headquarters
- Cuero, TX
- Established
- 1921
- Total assets, Q2 2026
- $393.6M
- Assets vs Q2 2025
- +10.8%
- CET1 ratio, Q2 2026
- 17.51%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 314971168
- Holding company
- TRUSTTEXAS FINANCIAL GROUP, INC.
- Asset rank in state
- 182nd of 346 in Texas
Problem loans are rising at Trusttexas Bank, S.S.B.. The Cuero, Texas bank had $394 million in assets at June 30, 2026, up 10.8% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.67% of loans from 0.37% a year earlier. It earns about $0.37 a year on every $100 of assets, about a third the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 2.55 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.95 cents).
Paper losses on its bond portfolio are shrinking: unrealized losses of $35 million equal 104% of Tier 1 capital, down from 137% a year earlier. Loans are outrunning deposits: over the year loans rose 20.9% and deposits rose 8.5%. Where it has less room is capital: it funds 7.84% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.99%).
As of June 30, 2026, Trusttexas Bank, S.S.B. reported a CET1 capital ratio of 17.51%, a return on assets of 0.37%, a nonperforming-loan ratio of 0.67% and a Texas ratio of 18.27%. The figures come from its call report filed with the FFIEC.
Trusttexas Bank, S.S.B. ranks as the 182nd largest of the 346 banks based in Texas, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.8% to $393.6M, loans rose 6.7% and deposits rose 2.1%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 71.5% of total loans, followed by farmland and other real estate loans at 11.0%. The FDIC Summary of Deposits lists 6 offices for it, in 5 cities in TX; its Cuero office books 40% of its branch deposits. Judged on its Q2 2026 call report, Trusttexas Bank, S.S.B. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 121 E Courthouse St, Cuero, TX 77954
- County
- Dewitt
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- —
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1921
- Former names
- Cuero State Bank, S.S.B. (2006)
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 54
- Domestic deposits
- $384.8M
- Allowance for credit losses
- $1.9M
- Net charge-offs (YTD)
- $39K
- Average total assets
- $428.6M
- Average total loans
- $203.9M
- Average interest-bearing deposits
- $325.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28515
- Fed RSSD
- 539872
- Website
- www.trusttexas.bank →
- Parent Holding Company
- TRUSTTEXAS FINANCIAL GROUP, INC. (RSSD 3601323)
- Ultimate Parent
- TRUSTTEXAS MUTUAL HOLDING COMPANY (RSSD 3601332)
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
From Q3 2023 to Q2 2026, Trusttexas Bank, S.S.B.'s total assets ranged from $353.1M (Q1 2025) to $444.0M (Q3 2023), and it earned a profit in 5 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$393.6M total assets against $355.2M; $387.7M total liabilities against $358.0M.
$211.3M net loans and leases against $174.6M; $384.8M total deposits against $354.7M.
$86.2M securities against $79.5M; $80.5M cash and balances due against $80.5M.
$4.2M total interest income against $3.9M; $1.6M total interest expense against $1.5M.
$2.7M net interest income against $2.4M.
$346K total noninterest income against $354K; $2.5M total noninterest expense against $2.6M.
$120K provision for credit losses against $69K.
$401K net income against $107K.
0.37% return on assets against 0.11%; 2.55% net interest margin against 2.57%.
17.51% CET1 capital ratio against 19.80%; 7.84% tier 1 leverage ratio against 8.42%.
Inside the full Trusttexas Bank, S.S.B. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeTrusttexas Bank, S.S.B. rankings
Its closest position to the top of a national ranking is 211 of 3,640, for Texas Ratio; its furthest is 3,354 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -8.26% (Q1 2025) to 0.37% (Q2 2026) and its net interest margin ran from 1.65% (Q3 2024) to 2.57% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.51% | 0.37% | 0.67% | 18.27% | 2.55% |
| Q1 2026 | 18.85% | 0.21% | 0.66% | 26.79% | 2.48% |
| Q4 2025 | 19.56% | 0.06% | 0.80% | 26.39% | 2.43% |
| Q3 2025 | 15.39% | 0.21% | 0.33% | 15.27% | 2.53% |
| Q2 2025 | 19.80% | 0.11% | 0.37% | -64.73% | 2.57% |
| Q1 2025 | 19.42% | -8.26% | 0.79% | 71.88% | 1.96% |
| Q4 2024 | 21.63% | -0.52% | 0.36% | 17.95% | 1.87% |
| Q3 2024 | 23.42% | -0.79% | 0.32% | 6.56% | 1.65% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 |
|---|---|---|---|
| Trusttexas Bank, Ssb | Cuero , TX | 77954 | $154.0M |
| Victoria-Sam Houston Branch | Victoria , TX | 77904 | $79.3M |
| Yorktown Branch | Yorktown , TX | 78164 | $77.4M |
| Victoria-Laurent Branch | Victoria , TX | 77901 | $32.7M |
| New Braunfels Branch | New Braunfels , TX | 78130 | $23.3M |
| Kyle Branch | Kyle , TX | 78640 | $18.2M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action August 4, 2000. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 210 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $1.1M approved, $1.1M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), 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 Trusttexas Bank, S.S.B.
What are Trusttexas Bank, S.S.B.'s total assets?
As of the Q2 2026 filing, Trusttexas Bank, S.S.B. reported total assets of $393.6 million in its FFIEC call report.
Where is Trusttexas Bank, S.S.B. headquartered?
It is headquartered in Cuero, TX, United States.
When was Trusttexas Bank, S.S.B. founded?
It was established in 1921, per the FDIC institution directory.
Is Trusttexas Bank, S.S.B. FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #28515). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Trusttexas Bank, S.S.B.?
Trusttexas Bank, S.S.B.'s primary federal regulator is the FDIC.
What is Trusttexas Bank, S.S.B.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.51% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Trusttexas Bank, S.S.B. operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Trusttexas Bank, S.S.B.'s Texas Ratio?
Its Texas Ratio is 18.27% 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.
What was Trusttexas Bank, S.S.B. previously called?
The charter now named Trusttexas Bank, S.S.B. has also operated as Cuero State Bank, S.S.B. (2006), per FDIC structure-change records.
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