The Bank and Trust, SSB: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
The Bank and Trust, SSB is the primary bank subsidiary of its parent holding company, headquartered in Del Rio, TX. Capital is comfortably above regulatory requirements, CET1 ratio of 17.15% sits well above the 7% level required once the capital conservation buffer is included. The bank posts a strong 1.61% ROA and 19.14% ROE. Asset quality is pristine, 0.09% NPLs and a 0.71% Texas Ratio. The Q2 2026 balance sheet stands at $584M in assets, including $398M in loans. 10 branches make up the footprint.
As of June 30, 2026, The Bank and Trust, SSB reported a CET1 capital ratio of 17.15%, a return on assets of 1.61%, a nonperforming-loan ratio of 0.09%, a Texas ratio of 0.71%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 1200 Veterans Blvd, Del Rio, TX 78840
- County
- Val Verde
- Metro Area
- Del Rio, TX
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1910
- Former names
- The Bank and Trust, S.S.B. (2006)
- Offices
- 10 domestic
- Employees (FTE)
- 148
- Domestic deposits
- $529.3M
- Allowance for credit losses
- $4.5M
- Net charge-offs (YTD)
- $34K
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1184
- Fed RSSD
- 623454
- Website
- www.thebankandtrust.com →
- Parent Holding Company
- WESTEX BANCORP, INC. (RSSD 1105014)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
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Unlock The Bank and Trust, SSB, freeThe Bank and Trust, SSB rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.15% | 1.61% | 0.09% | 0.71% | 4.65% |
| Q1 2026 | 17.34% | 1.48% | 0.10% | 0.73% | 4.49% |
| Q4 2025 | 17.70% | 1.68% | 0.12% | 0.89% | 4.42% |
| Q3 2025 | 17.83% | 1.39% | 0.06% | 0.47% | 4.37% |
| Q2 2025 | 17.93% | 1.67% | 0.12% | 0.93% | 4.36% |
| Q1 2025 | 18.06% | 1.41% | 0.12% | 0.95% | 4.21% |
| Q4 2024 | 17.89% | 1.30% | 0.12% | 1.03% | 4.25% |
| Q3 2024 | 17.12% | 1.37% | 0.12% | 0.94% | 4.18% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 10 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Bank and Trust, S.S.B. | Del Rio , TX | 78840 | $303.7M |
| Knickerbocker Road Branch | San Angelo , TX | 76904 | $78.7M |
| Sonora Branch | Sonora , TX | 76950 | $44.6M |
| Ann and North Branch | Brackettville , TX | 78832 | $36.9M |
| Kerrville Branch | Kerrville , TX | 78028 | $36.1M |
| Bedell Avenue Branch | Del Rio , TX | 78840 | $25.2M |
| Boerne Branch | Boerne , TX | 78006 | $3.6M |
| San Angelo North Bryant Branch | San Angelo , TX | 76903 | $511K |
| Operations Center Branch | Del Rio , TX | 78840 | $0 |
| Detached Facility Branch | Del Rio , TX | 78840 | $0 |
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 |
|---|---|---|---|
| January 22, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 12, 1999 | Structure Change | Acquired The Bank and Trust, S.S.B. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1998 | Structure Change | Acquired The First State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
What the public regulatory sources show for The Bank and Trust, SSB, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 180 of 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 209 applications, 150 loans originated, $38.7M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about The Bank and Trust, SSB
What are The Bank and Trust, SSB's total assets?
As of the Q2 2026 filing, The Bank and Trust, SSB reported total assets of $583.8 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The Bank and Trust, SSB headquartered?
The Bank and Trust, SSB is headquartered in Del Rio, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was The Bank and Trust, SSB founded?
The Bank and Trust, SSB was established in 1910, per the FDIC institution directory.
Is The Bank and Trust, SSB FDIC-insured?
Yes. The Bank and Trust, SSB is an FDIC-insured commercial bank (FDIC Certificate #1184). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Bank and Trust, SSB?
The Bank and Trust, SSB's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is The Bank and Trust, SSB's CET1 capital ratio?
The Bank and Trust, SSB reported a Common Equity Tier 1 (CET1) capital ratio of 17.15% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Bank and Trust, SSB operate?
The Bank and Trust, SSB operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Bank and Trust, SSB's Texas Ratio?
The Bank and Trust, SSB's Texas Ratio is 0.71% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was The Bank and Trust, SSB previously called?
The charter now named The Bank and Trust, SSB has also operated as The Bank and Trust, S.S.B. (2006), per FDIC structure-change records.
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