Trusttexas Bank, S.S.B.: 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 Reserve coverage of non-performing loans: 4.56 percentage points lower than in Q1 2026, at 130.31%. On return on assets, Trusttexas Bank, S.S.B. is 21st from the bottom among 345 Texas banks, 0.24% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, Trusttexas Bank, S.S.B. reported 0.24% on return on assets in Q2 2026, 1.00 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.45% |
| Tier 1 risk-based capital ratio | 17.45% |
| Total risk-based capital ratio | 18.47% |
| Tier 1 leverage ratio | 8.02% |
| Equity capital to assets | 1.48% |
| Tangible equity to tangible assets | 1.48% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.67% |
| Non-performing assets ratio | 0.36% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 18.62% |
| Allowance for credit losses to loans | 0.88% |
| Reserve coverage of non-performing loans | 130.31% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.24% |
| Return on equity | 22.73% |
| Net interest margin | 2.55% |
| Efficiency ratio | 82.37% |
| Yield on earning assets | 4.10% |
| Cost of funds | 1.65% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 55.40% |
| Core deposits to total deposits | 89.87% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 97.80% |
| Securities to assets | 21.91% |
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 | 23.80% | 23.80% | 24.76% | 9.13% | -0.37% |
| Q4 2023 | 22.04% | 22.04% | 23.05% | 9.06% | -1.02% |
| Q1 2024 | 23.52% | 23.52% | 24.61% | 9.23% | -0.73% |
| Q2 2024 | 21.95% | 21.95% | 23.00% | 9.52% | -0.60% |
| Q3 2024 | 23.42% | 23.42% | 24.56% | 9.54% | -0.79% |
| Q4 2024 | 21.63% | 21.63% | 22.69% | 9.55% | -0.52% |
| Q1 2025 | 19.42% | 19.42% | 20.60% | 8.01% | -8.26% |
| Q2 2025 | 19.80% | 19.80% | 21.04% | 8.42% | 0.11% |
| Q3 2025 | 15.39% | 15.39% | 16.40% | 8.34% | 0.21% |
| Q4 2025 | 19.56% | 19.56% | 20.64% | 8.28% | 0.06% |
| Q1 2026 | 18.85% | 18.85% | 19.90% | 8.24% | 0.21% |
| Q2 2026 | 17.45% | 17.45% | 18.47% | 8.02% | 0.24% |
Trusttexas Bank, S.S.B. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Trusttexas Bank, S.S.B., 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 Trusttexas Bank, S.S.B. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28515) · FFIEC NIC profile (RSSD 539872)