Valuebank Texas
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Data as of · sourced from FFIEC call reports. How we update
Valuebank Texas is an FDIC-insured commercial bank headquartered in Corpus Christi, TX, established in 1967 (FDIC certificate 19700), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $303.6M, up 0.7% from Q2 2025, the 211th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.54% 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
- 19700
- Headquarters
- Corpus Christi, TX
- Established
- 1967
- Total assets, Q2 2026
- $303.6M
- Assets vs Q2 2025
- +0.7%
- Tier 1 leverage ratio, Q2 2026
- 12.54%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 114902560
- Holding company
- FIRST INTERNATIONAL BANCSHARES, INC.
- Asset rank in state
- 211th of 346 in Texas
Valuebank Texas, based in Corpus Christi, Texas, reported $304 million in assets at June 30, 2026. It pays an average of 1.00% on its deposits and borrowings, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also 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%).
Loans are outrunning deposits: over the year loans rose 8.0% and deposits rose 0.7%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.2 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Valuebank Texas reported a return on assets of 1.41%, 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.
Valuebank Texas ranks as the 211th largest of the 346 banks based in Texas, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.2% to $303.6M, loans rose 2.6% and deposits rose 0.1%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 28.8% of total loans, ahead of owner-occupied commercial real estate loans at 25.6%. The FDIC Summary of Deposits lists 9 offices for it, in 7 cities in TX; its Corpus Christi 3 offices book 29% of its branch deposits. Judged on its Q2 2026 call report, Valuebank Texas meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 5262 S Staples St, Corpus Christi, TX 78411
- County
- Nueces
- Metro Area
- Corpus Christi, 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- April 27, 1967
- Former names
- The International Bank (1991-1999); The International Bank of Corpus Christi (1973-1991); Texas State Bank (1972-1973)
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 86
- Domestic deposits
- $263.0M
- Allowance for credit losses
- $1.7M
- Net charge-offs (YTD)
- $1K
- Average total assets
- $304.1M
- Average total loans
- $162.3M
- Average interest-bearing deposits
- $156.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 11, 1967
- FDIC Cert
- 19700
- Fed RSSD
- 964157
- SEC CIK
- 1173033 → filed by FIRST INTERNATIONAL BANCSHARES, INC.
- Website
- www.valuebanktexas.com →
- Parent Holding Company
- FIRST INTERNATIONAL BANCSHARES, INC. (RSSD 2490520)
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, Valuebank Texas reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Valuebank Texas's total assets ranged from $292.0M (Q4 2023) to $309.7M (Q2 2024), 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
$303.6M total assets against $301.4M; $266.6M total liabilities against $264.7M.
$164.6M net loans and leases against $152.0M; $263.0M total deposits against $261.3M.
$54.0M securities against $56.1M; $67.4M cash and balances due against $75.2M.
$4.1M total interest income against $4.1M; $658K total interest expense against $647K.
$3.4M net interest income against $3.4M.
$679K total noninterest income against $653K; $2.7M total noninterest expense against $2.7M.
$2K provision for credit losses against $3K.
$1.1M net income against $1.1M.
1.41% return on assets against 1.43%; 4.84% net interest margin against 4.90%.
12.54% tier 1 leverage ratio against 12.78%.
Inside the full Valuebank Texas 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.
Valuebank Texas rankings
Its closest position to the top of a national ranking is 1,518 of 3,611, for ROA; its furthest is 3,471 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.18% (Q1 2026) to 1.91% (Q4 2025) and its net interest margin ran from 4.64% (Q1 2026) to 5.13% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.54% | 1.41% | 0.00% | 0.00% | 4.84% |
| Q1 2026 | 12.63% | 1.18% | 0.00% | 0.00% | 4.64% |
| Q4 2025 | 12.04% | 1.91% | 0.00% | 0.00% | 5.13% |
| Q3 2025 | 12.60% | 1.45% | 0.00% | 0.00% | 4.86% |
| Q2 2025 | 12.78% | 1.43% | 0.00% | 0.00% | 4.90% |
| Q1 2025 | 12.73% | 1.47% | 0.00% | 0.31% | 4.90% |
| Q4 2024 | 12.03% | 1.62% | 0.07% | 0.32% | 4.76% |
| Q3 2024 | 12.53% | 1.83% | 0.00% | 0.00% | 5.09% |
Swipe the table sideways to see every column.
Branch Network
View all 9 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 |
|---|---|---|---|
| Orange Grove Branch | Orange Grove , TX | 78372 | $60.7M |
| Valuebank Texas (main office) | Corpus Christi , TX | 78411 | $44.3M |
| Ingleside Branch | Ingleside , TX | 78362 | $35.4M |
| Aransas Pass Branch | Aransas Pass , TX | 78336 | $29.7M |
| Port Aransas Branch | Port Aransas , TX | 78373 | $25.7M |
| South Staples Branch | Corpus Christi , TX | 78413 | $22.9M |
| Valuebank Texas (main office) | Richmond , TX | 77407 | $20.5M |
| Horseshoe Bay Branch | Horseshoe Bay , TX | 78657 | $14.5M |
| Midtown Branch | Corpus Christi , TX | 78411 | $9.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 9, 1991 | Structure Change | Acquired Island State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 8, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 259 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 24 applications, 13 loans originated, $12.4M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $98K approved, $98K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Valuebank Texas
What are Valuebank Texas's total assets?
As of the Q2 2026 filing, Valuebank Texas reported total assets of $303.6 million in its FFIEC call report.
Where is Valuebank Texas headquartered?
It is headquartered in Corpus Christi, TX, United States.
When was Valuebank Texas founded?
It was established in 1967, per the FDIC institution directory.
Is Valuebank Texas FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #19700). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Valuebank Texas?
Valuebank Texas's primary federal regulator is the FDIC.
How many branches does Valuebank Texas operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Valuebank Texas'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.
What was Valuebank Texas previously called?
The charter now named Valuebank Texas has also operated as The International Bank (1991-1999), The International Bank of Corpus Christi (1973-1991), Texas State Bank (1972-1973), per FDIC structure-change records.
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