Liquidity & Balance Sheet · Texas
US Banks with Highest Loan-to-Deposit Ratio in Texas
Ranked among banks headquartered in Texas. Re-ranked 1-100 within the state from the same national ranking population.
#1 Loan-to-Deposit Ratio:TEXANA BANK, NATIONAL ASSOCIATION — 117.03% . The Loan-to-Deposit Ratio (LTD) measures loans against deposits — a high ratio means deposits are fully deployed and the bank may rely on wholesale funding to grow loans.
| # | Bank | HQ | US Banks with … | Total Assets |
|---|---|---|---|---|
| 1 | TEXANA BANK, NATIONAL ASSOCIATION | LINDEN , TX | 117.03% | $353M |
| 2 | AUSTIN CAPITAL BANK SSB | AUSTIN , TX | 112.96% | $422M |
| 3 | INTERNATIONAL BANK OF COMMERCE | LAREDO , TX | 108.01% | $9.9B |
| 4 | Bank of Houston | Houston , TX | 105.89% | $686M |
| 5 | CITIZENS NATIONAL BANK OF TEXAS | WAXAHACHIE , TX | 105.72% | $2.1B |
| 6 | TEXAS REPUBLIC BANK, NATIONAL ASSOCIATION | FRISCO , TX | 105.12% | $519M |
| 7 | TEXASBANK | FORT WORTH , TX | 102.52% | $2.5B |
| 8 | CapTex Bank | Fort Worth , TX | 102.16% | $330M |
| 9 | GOLDEN BANK, NATIONAL ASSOCIATION | HOUSTON , TX | 101.30% | $2.2B |
| 10 | TEXAS CHAMPION BANK | CORPUS CHRISTI , TX | 101.26% | $445M |
| 11 | MINT NATIONAL BANK, THE | KINGWOOD , TX | 101.11% | $393M |
| 12 | STATE BANK OF TEXAS | IRVING , TX | 100.35% | $2.8B |
| 13 | TRINITY CAPITAL BANK OF TEXAS | ENNIS , TX | 100.18% | $455M |
| 14 | TEXAS HERITAGE NATIONAL BANK | DAINGERFIELD , TX | 100.01% | $944M |
| 15 | WELLS FARGO BANK SOUTH CENTRAL, NATIONAL ASSOCIATION | HOUSTON , TX | 99.65% | $2.7B |
| 16 | SUNFLOWER BANK, NATIONAL ASSOCIATION | DALLAS , TX | 99.07% | $8.6B |
| 17 | SPRING HILL STATE BANK | LONGVIEW , TX | 98.42% | $238M |
| 18 | DALLAS CAPITAL BANK, NATIONAL ASSOCIATION | DALLAS , TX | 98.34% | $1.2B |
| 19 | AMERICAN FIRST NATIONAL BANK | HOUSTON , TX | 97.68% | $2.9B |
| 20 | DOMINION BANK | DALLAS , TX | 97.66% | $635M |
| 21 | GLOBAL ONE BANK | HOUSTON , TX | 97.61% | $317M |
| 22 | T BANK, NATIONAL ASSOCIATION | DALLAS , TX | 97.49% | $1.0B |
| 23 | LONE STAR BANK | HOUSTON , TX | 97.48% | $200M |
| 24 | FRONTIER BANK OF TEXAS | ELGIN , TX | 97.34% | $1.1B |
| 25 | FIRST TEXAS NATIONAL BANK | FLOYDADA , TX | 96.61% | $198M |
| 26 | SCHERTZ BANK & TRUST | SCHERTZ , TX | 96.26% | $762M |
| 27 | CORNERSTONE CAPITAL BANK, SSB | HOUSTON , TX | 95.67% | $3.8B |
| 28 | CAPITAL BANK | HOUSTON , TX | 95.25% | $694M |
| 29 | First National Bank | Wichita Falls , TX | 95.12% | $1.2B |
| 30 | FIRST BANK | BURKBURNETT , TX | 94.87% | $689M |
| 31 | HENDERSON FEDERAL SAVINGS BANK | HENDERSON , TX | 94.65% | $118M |
| 32 | Keystone Bank, SSB | Austin , TX | 94.22% | $1.0B |
| 33 | FIRST NATIONAL BANK OF TOM BEAN, THE | TOM BEAN , TX | 94.08% | $147M |
| 34 | SECURITY STATE BANK | FARWELL , TX | 93.37% | $336M |
| 35 | TOLLESON PRIVATE BANK | DALLAS , TX | 92.89% | $916M |
| 36 | SOUTHWESTERN NATIONAL BANK | HOUSTON , TX | 92.81% | $1.4B |
| 37 | BANK OF TEXAS | MIDLAND , TX | 92.02% | $543M |
| 38 | WALLIS BANK | WALLIS , TX | 91.94% | $1.4B |
| 39 | COMMUNITY BANK | LONGVIEW , TX | 91.83% | $302M |
| 40 | THIRD COAST BANK | HUMBLE , TX | 91.83% | $6.6B |
| 41 | FIRST STATE BANK | SPEARMAN , TX | 91.81% | $191M |
| 42 | AGILITY BANK, N.A. | HOUSTON , TX | 91.81% | $144M |
| 43 | PLAINS STATE BANK | HUMBLE , TX | 91.62% | $840M |
| 44 | AUSTIN BANK, TEXAS NATIONAL ASSOCIATION | JACKSONVILLE , TX | 91.23% | $3.3B |
| 45 | TBK BANK, SSB | DALLAS , TX | 90.79% | $6.9B |
| 46 | CENDERA BANK | BELLS , TX | 90.70% | $229M |
| 47 | ONE WORLD BANK | DALLAS , TX | 90.63% | $286M |
| 48 | CENTRAL NATIONAL BANK | WACO , TX | 90.53% | $1.4B |
| 49 | HARMONY BANK | DALLAS , TX | 90.52% | $817M |
| 50 | FIRST NATIONAL BANK OF CENTRAL TEXAS | WACO , TX | 90.32% | $1.7B |
| 51 | TEXAS SECURITY BANK | DALLAS , TX | 90.10% | $1.4B |
| 52 | AMERICAN BANK, NATIONAL ASSOCIATION | DALLAS , TX | 89.80% | $723M |
| 53 | BROADSTREET BANK, SSB | MINEOLA , TX | 89.77% | $429M |
| 54 | NEXBANK | DALLAS , TX | 89.73% | $13.4B |
| 55 | COMMERCIAL NATIONAL BANK OF BRADY, THE | BRADY , TX | 89.69% | $397M |
| 56 | FIRST STATE BANK, THE | ABERNATHY , TX | 89.49% | $124M |
| 57 | FIRST NATIONAL BANK OF HEREFORD, THE | HEREFORD , TX | 89.37% | $363M |
| 58 | Veritex Community Bank | Dallas , TX | 89.32% | $12.7B |
| 59 | Independent Bank | Mckinney , TX | 89.20% | $17.5B |
| 60 | SOUTHSTAR BANK, S.S.B. | MOULTON , TX | 88.83% | $1.3B |
| 61 | GRANDVIEW BANK | GRANDVIEW , TX | 88.63% | $703M |
| 62 | Texas Partners Bank | San Antonio , TX | 88.61% | $2.4B |
| 63 | VANTAGE BANK TEXAS | SAN ANTONIO , TX | 88.34% | $4.9B |
| 64 | WESTERN BANK | LUBBOCK , TX | 88.30% | $944M |
| 65 | Vista Bank | Dallas , TX | 88.28% | $2.5B |
| 66 | FIRST FEDERAL COMMUNITY BANK, SSB | PARIS , TX | 88.08% | $616M |
| 67 | WESTSTAR BANK | EL PASO , TX | 87.90% | $3.2B |
| 68 | LIBERTY CAPITAL BANK | ADDISON , TX | 87.89% | $740M |
| 69 | SECURITY BANK OF TEXAS | CRAWFORD , TX | 87.58% | $169M |
| 70 | AMERICAN BANK OF COMMERCE | WOLFFORTH , TX | 87.57% | $1.8B |
| 71 | TEXAS NATIONAL BANK OF JACKSONVILLE | JACKSONVILLE , TX | 87.37% | $854M |
| 72 | CLASSIC BANK, NATIONAL ASSOCIATION | CAMERON , TX | 87.17% | $666M |
| 73 | UBANK | HUNTINGTON , TX | 87.15% | $942M |
| 74 | GREATER STATE BANK | MCALLEN , TX | 87.08% | $181M |
| 75 | TEXAS BANK AND TRUST COMPANY | LONGVIEW , TX | 87.05% | $4.5B |
| 76 | CLEAR FORK BANK NATIONAL ASSOCIATION | ALBANY , TX | 86.61% | $1.0B |
| 77 | MOODY NATIONAL BANK | GALVESTON , TX | 86.60% | $1.5B |
| 78 | TEXAS CAPITAL BANK | DALLAS , TX | 86.55% | $33.2B |
| 79 | SHELBY SAVINGS BANK, SSB | CENTER , TX | 86.47% | $455M |
| 80 | NBT FINANCIAL BANK | FORT WORTH , TX | 86.17% | $598M |
| 81 | AMERICAN NATIONAL BANK & TRUST | WICHITA FALLS , TX | 86.14% | $2.5B |
| 82 | HOMEBANK TEXAS | SEAGOVILLE , TX | 86.08% | $394M |
| 83 | AMERICAN BANK NATIONAL ASSOCIATION | WACO , TX | 86.03% | $628M |
| 84 | CITIZENS STATE BANK | WOODVILLE , TX | 85.96% | $478M |
| 85 | AMERICAN MOMENTUM BANK | COLLEGE STATION , TX | 85.77% | $2.8B |
| 86 | SECURITY STATE BANK & TRUST | FREDERICKSBURG , TX | 85.70% | $2.0B |
| 87 | BANK OF SOUTH TEXAS | MCALLEN , TX | 85.44% | $171M |
| 88 | DALHART FEDERAL SAVINGS & LOAN ASSOCIATION, SSB | DALHART , TX | 85.01% | $125M |
| 89 | CIERA BANK | GRAHAM , TX | 84.86% | $970M |
| 90 | CENTRAL BANK | HOUSTON , TX | 84.86% | $1.3B |
| 91 | UNITED TEXAS BANK | DALLAS , TX | 84.76% | $1.0B |
| 92 | Texas Heritage Bank | Boerne , TX | 84.60% | $227M |
| 93 | PEOPLES BANK | PARIS , TX | 84.60% | $185M |
| 94 | FAYETTE SAVINGS BANK, SSB | LA GRANGE , TX | 84.58% | $533M |
| 95 | FIRST NATIONAL BANK OF MCGREGOR, THE | MC GREGOR , TX | 84.49% | $1.0B |
| 96 | American Bank, National Association | Corpus Christi , TX | 84.02% | $2.5B |
| 97 | STELLAR BANK | HOUSTON , TX | 83.90% | $10.9B |
| 98 | WORTHINGTON BANK | ARLINGTON , TX | 83.84% | $651M |
| 99 | NEWFIRST NATIONAL BANK | EL CAMPO , TX | 83.21% | $956M |
| 100 | PLAINSCAPITAL BANK | UNIVERSITY PARK , TX | 83.15% | $12.4B |
More Liquidity & Balance Sheet rankings
All data sourced from the most recent FFIEC call report filings, refreshed quarterly within 48 hours of FFIEC release. This leaderboard excludes banks with total assets under $100,000K to filter out anomalous micro-bank ratios. See /data-updates/ for the current data freshness window.
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