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Financial strength ranking · Texas · Call Report data as of Q2 2026

Best Banks in Texas by Financial Strength

The Buckholts State Bank ranks first among the 304 banks headquartered in Texas we score, with a financial strength score of 92.4 out of 100 as of June 30, 2026. The score averages each bank's national percentile on four Call Report ratios: return on assets, efficiency ratio, Tier 1 leverage ratio and nonperforming assets ratio.

Ranked first
The Buckholts State Bank
Its score
92.4 of 100
Banks scored in Texas
304
Its return on assets
2.91%

The 100 highest scoring banks in Texas

Select a column heading to sort. Score is 0 to 100, where 100 would be the best US bank on all four ratios; ratios for Q2 2026.

Banks headquartered in Texas ranked by financial strength score, with total assets, return on assets, efficiency ratio, Tier 1 leverage ratio and nonperforming assets ratio.
1 The Buckholts State Bank Buckholts 92.4 2.91% 36.04% 17.62% 0.01% $138.8M
2 Muenster State Bank Muenster 91.7 2.32% 36.05% 14.78% 0.00% $227.0M
3 The First National Bank of Mertzon Mertzon 89.9 1.83% 28.94% 15.75% 0.00% $500.3M
4 First National Bank of Burleson Burleson 87.9 2.48% 41.12% 12.59% 0.00% $250.8M
5 Community Bank Longview 87.5 3.11% 38.19% 11.95% 0.00% $315.5M
6 First State Bank Stratford 86.8 2.18% 40.76% 12.58% 0.00% $371.9M
7 Texas State Bank San Angelo 86.5 2.73% 50.71% 13.58% 0.00% $425.5M
8 The First National Bank of Stanton Stanton 84.8 2.57% 30.58% 17.49% 0.28% $394.9M
9 WestStar Bank El Paso 83.7 2.36% 45.64% 12.27% 0.00% $3.28B
10 Trinity Bank, N.A. Fort Worth 83.4 1.76% 43.58% 12.79% 0.00% $569.1M
11 Commerce Bank Laredo 82.5 1.83% 33.88% 12.28% 0.01% $762.5M
12 Lakeside Bank Rockwall 82.3 1.68% 49.93% 14.37% 0.00% $389.2M
13 Grandview Bank Grandview 81.8 2.41% 38.21% 12.35% 0.11% $729.3M
14 First State Bank of Odem Odem 81.7 1.96% 55.19% 14.39% 0.00% $212.6M
15 Newfirst National Bank El Campo 81.5 3.32% 39.17% 12.47% 0.17% $934.9M
16 Texas Community Bank Laredo 80.7 2.06% 41.85% 12.78% 0.11% $2.20B
17 Citizens 1st Bank Tyler 80.2 1.78% 33.26% 20.52% 0.33% $811.0M
18 Pegasus Bank Dallas 80.1 1.74% 40.24% 11.41% 0.00% $1.46B
19 The First National Bank of Livingston Livingston 80.1 2.43% 58.26% 15.54% 0.02% $467.2M
20 Citizens National Bank Cameron 80.0 1.62% 47.75% 12.73% 0.00% $691.8M
21 BANK19 Memphis 79.8 1.81% 57.34% 15.33% 0.00% $147.8M
22 International Bank of Commerce Zapata 79.4 1.82% 49.68% 13.60% 0.04% $567.8M
23 Primebank of Texas Austin 79.4 1.82% 47.80% 11.66% 0.00% $279.7M
24 The Perryton National Bank Perryton 79.4 1.74% 46.52% 16.40% 0.17% $212.7M
25 The Waggoner National Bank of Vernon Vernon 79.0 2.64% 43.65% 14.41% 0.37% $353.7M
26 Schertz Bank & Trust Schertz 78.3 2.01% 42.76% 15.17% 0.34% $770.1M
27 The Lamesa National Bank Lamesa 78.0 2.29% 28.67% 11.95% 0.25% $426.8M
28 The First National Bank of Hereford Hereford 78.0 2.31% 53.00% 12.32% 0.04% $344.6M
29 Arrowhead Bank Llano 78.0 1.85% 52.28% 11.89% 0.00% $295.3M
30 Global One Bank Houston 77.6 2.09% 51.09% 14.47% 0.20% $333.2M
31 Peoples State Bank Rocksprings 77.1 1.86% 38.66% 11.02% 0.03% $140.0M
32 The First National Bank of Sterling City Sterling City 76.8 1.59% 42.78% 11.62% 0.00% $240.1M
33 The Big Bend Banks, N.A. dba Marfa National Bank Marfa 76.7 1.67% 60.51% 16.23% 0.00% $165.4M
34 First Texas Bank Lampasas 76.3 1.94% 41.22% 10.14% 0.00% $259.7M
35 First National Bank of Huntsville Huntsville 75.9 1.83% 54.32% 13.29% 0.05% $584.9M
36 Citizens Bank Amarillo 75.9 2.34% 41.64% 10.07% 0.01% $309.8M
37 First National Bank of Central Texas Waco 75.8 2.45% 43.20% 10.83% 0.10% $1.77B
38 Falcon International Bank Laredo 75.7 1.55% 53.27% 13.44% 0.00% $2.25B
39 The Falls City National Bank Falls City 75.5 2.05% 28.97% 16.33% 0.77% $597.1M
40 Columbus State Bank Columbus 75.3 1.07% 46.02% 14.47% 0.00% $326.5M
41 The Commercial National Bank of Brady Brady 74.6 2.85% 47.75% 10.24% 0.03% $425.4M
42 Fayette Savings Bank, SSB La Grange 74.5 1.90% 49.22% 10.95% 0.01% $551.8M
43 State Bank of De Kalb De Kalb 74.4 2.43% 52.47% 12.17% 0.18% $519.9M
44 International Bank of Commerce Laredo 74.0 2.75% 36.68% 19.02% 1.58% $10.19B
45 First National Bank of Dublin Dublin 73.7 2.44% 58.55% 12.54% 0.07% $134.3M
46 First State Bank of Bedias Bedias 73.3 2.60% 45.02% 17.94% 1.12% $224.8M
47 Boc Bank McLean 73.2 1.76% 59.68% 12.41% 0.00% $203.4M
48 State Bank of Texas Irving 73.0 4.43% 22.00% 15.71% 2.00% $2.59B
49 Farmers and Merchants Bank De Leon 73.0 1.52% 54.57% 11.97% 0.00% $269.8M
50 Austin Bank, Texas N.A. Jacksonville 72.6 2.13% 51.28% 15.12% 0.51% $3.33B
51 Wells Fargo Bank South Central, N.A. Houston 72.4 1.56% 13.54% 29.69% 0.83% $2.59B
52 The State National Bank of Big Spring Big Spring 72.0 1.83% 33.38% 11.19% 0.25% $640.0M
53 The First National Bank of Winnsboro Winnsboro 72.0 2.09% 52.15% 22.72% 0.71% $158.2M
54 American Bank, N.A. Dallas 71.8 1.90% 32.19% 10.75% 0.21% $773.8M
55 American First National Bank Houston 71.6 1.87% 41.18% 14.38% 0.72% $2.89B
56 The American National Bank of Mount Pleasant Mount Pleasant 71.4 1.36% 56.35% 12.82% 0.00% $144.6M
57 Citizens State Bank Sealy 71.2 1.42% 41.48% 10.35% 0.00% $507.0M
58 First State Bank of Burnet Burnet 71.0 1.72% 56.12% 12.53% 0.07% $325.8M
59 Charles Schwab Bank, SSB Westlake 70.9 1.34% 17.18% 10.65% 0.01% $250.83B
60 Bank of Texas Midland 70.4 1.53% 42.45% 13.01% 0.35% $543.6M
61 Security State Bank Farwell 70.3 2.14% 41.79% 14.61% 1.18% $338.0M
62 TIB, N.A. Farmers Branch 70.2 2.14% 51.05% 13.22% 0.52% $2.96B
63 Pointwest Bank West 70.2 1.72% 63.66% 12.54% 0.00% $137.3M
64 First State Bank Paint Rock 70.1 1.81% 43.46% 14.14% 0.71% $174.3M
65 Central National Bank Waco 69.9 2.07% 44.73% 9.94% 0.09% $1.47B
66 Capital Bank Houston 69.7 1.79% 54.72% 10.81% 0.01% $689.7M
67 The Commercial Bank Mason 69.2 1.65% 49.01% 9.95% 0.00% $114.6M
68 First United Bank Dimmitt 69.0 2.02% 49.51% 11.17% 0.26% $2.41B
69 Titan Bank, N.A. Mineral Wells 69.0 7.64% 11.17% 9.48% 0.25% $895.2M
70 Lone Oak Bank, N.A. Eldorado 69.0 3.33% 46.14% 15.26% 2.42% $119.6M
71 Maverick Bank Fort Davis 68.9 2.41% 39.66% 8.81% 0.05% $809.1M
72 The Cowboy Bank of Texas Maypearl 68.9 2.73% 49.31% 17.51% 1.88% $108.6M
73 Inwood National Bank Dallas 68.5 1.63% 37.52% 10.79% 0.21% $4.26B
74 First State Bank of Ben Wheeler, Texas Ben Wheeler 68.2 1.42% 63.36% 15.66% 0.03% $185.1M
75 Citizens State Bank Miles 67.6 2.65% 40.01% 10.74% 0.58% $270.1M
76 First Financial Bank Abilene 67.0 1.73% 44.16% 11.61% 0.44% $15.23B
77 First Community Bank San Benito 67.0 1.80% 53.40% 10.36% 0.04% $794.4M
78 Southside Bank Tyler 66.8 1.39% 48.79% 11.43% 0.11% $8.76B
79 The First National Bank of Anderson Anderson 66.8 1.60% 57.22% 12.02% 0.10% $230.4M
80 Broadway National Bank San Antonio 66.6 1.95% 54.55% 10.93% 0.17% $5.42B
81 Frontier Bank of Texas Elgin 66.6 1.99% 45.94% 10.05% 0.20% $1.08B
82 TexasBank Fort Worth 66.5 2.35% 53.64% 12.87% 0.70% $2.48B
83 First National Bank of Bosque County Valley Mills 66.5 2.20% 55.33% 12.79% 0.54% $182.3M
84 Citizens National Bank of Texas Waxahachie 66.3 2.86% 43.12% 12.20% 1.45% $2.19B
85 Citizens State Bank Corrigan 66.3 1.91% 54.80% 12.04% 0.34% $190.6M
86 First Texas Bank Georgetown 66.2 1.96% 40.17% 11.25% 0.65% $1.31B
87 Community National Bank Midland 65.9 2.17% 46.65% 12.68% 1.16% $2.54B
88 Crossroads Bank Yoakum 65.4 2.67% 41.38% 11.64% 1.38% $380.7M
89 First Texas National Bank Floydada 65.2 3.24% 45.53% 9.69% 0.33% $216.9M
90 Texas Bank and Trust Company Longview 65.1 1.64% 52.75% 13.10% 0.49% $4.34B
91 Clear Fork Bank N.A. Albany 65.1 2.47% 51.74% 10.57% 0.36% $1.03B
92 Castroville State Bank Castroville 65.1 1.57% 49.31% 10.93% 0.19% $269.7M
93 Southwestern National Bank Houston 65.0 1.62% 53.15% 12.41% 0.35% $1.39B
94 Farmers State Bank Center 64.5 1.96% 58.45% 14.41% 0.59% $391.5M
95 Sundown State Bank Sundown 64.5 1.77% 48.59% 11.63% 0.52% $307.7M
96 Legend Bank, N. A. Bowie 64.4 1.97% 57.08% 10.35% 0.09% $1.27B
97 American Bank N.A. Waco 64.4 1.65% 59.95% 10.86% 0.01% $625.2M
98 Round Top State Bank Round Top 64.3 1.28% 48.54% 11.94% 0.22% $974.1M
99 The Liberty National Bank in Paris Paris 64.3 1.61% 47.30% 12.76% 0.69% $452.1M
100 Prosperity Bank El Campo 64.2 1.58% 43.38% 10.64% 0.30% $43.88B

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How the score works

Each bank gets a percentile on each of four ratios, measured against every US bank that filed a Call Report for the quarter and turned so that higher is always better: 100 is the best bank in the country on that ratio and 0 the weakest. The score is the plain average of the four percentiles; 3,583 banks nationwide are scored.

A bank is scored when it is ranked on all four of those leaderboards: at least $100 million in total assets, open, a lending institution, and a quarter not driven by gains or losses on equity securities. Banks are listed by headquarters state.

Frequently asked questions

What is the best bank in Texas?

By our financial strength score, The Buckholts State Bank of Buckholts ranks first among the 304 scored banks headquartered in Texas, scoring 92.4 out of 100 for Q2 2026: return on assets of 2.91%, an efficiency ratio of 36.04%, a Tier 1 leverage ratio of 17.62% and nonperforming assets of 0.01% of total assets. Muenster State Bank and The First National Bank of Mertzon rank second and third.

How are the best banks in Texas ranked?

Each bank is placed on four Call Report ratios against every US bank that filed for the quarter: return on assets and the Tier 1 leverage ratio, where higher is better, and the efficiency ratio and the nonperforming assets ratio, where lower is better. Each placement is a percentile from 0 to 100, and the score is their average. Only banks with at least $100 million in assets that are ranked on all four ratios are scored, 3,583 banks nationwide.

Does this ranking say which bank I should open an account with?

No. The score reads only what a bank files with its regulators: earnings, cost control, capital and problem assets. It does not measure deposit rates, fees, branches, apps or service, which matter most when choosing a bank for an account, and it is not a safety rating. FDIC insurance protects deposits at insured banks up to the legal limit regardless of a bank's score.

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More in Texas

Largest banks in Texas Bank deposits in Texas Largest credit unions in Texas Return on assets ranking Efficiency ratio ranking Tier 1 leverage ratio ranking Nonperforming assets ratio ranking All rankings

Source: FFIEC Call Reports for Q2 2026, refreshed as each quarter's filings are processed. A ranking is not a safety rating: FDIC insurance covers deposits at insured banks up to the legal limit, whatever the score. Check your coverage with the FDIC insurance calculator.