Bank of Texas: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Operating from Midland, TX, Bank of Texas serves its local market as an FDIC-insured commercial bank. As of Q2 2026, the bank held approximately $544M in total assets and $451M in deposits. Returns are notably above industry norms: 1.53% ROA, 11.93% ROE, and 3.42% NIM. Capital cushions are healthy: 15.09% CET1, 13.01% Tier 1 leverage. Asset quality is pristine, 0.48% NPLs and a 2.51% Texas Ratio. 3 branches make up the footprint.
As of June 30, 2026, Bank of Texas reported a CET1 capital ratio of 15.09%, a return on assets of 1.53%, a nonperforming-loan ratio of 0.48%, a Texas ratio of 2.51%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 306 W Wall St, Midland, TX 79701
- County
- Midland
- Metro Area
- Midland, 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
- —
- Call Report form
- FFIEC 051
- Established
- August 4, 1962
- Offices
- 3 domestic
- Employees (FTE)
- 26
- Domestic deposits
- $451.2M
- Allowance for credit losses
- $5.7M
- Net charge-offs (YTD)
- $0
- Average total assets
- $538.0M
- Average total loans
- $397.4M
- Average interest-bearing deposits
- $319.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 4, 1962
- FDIC Cert
- 18576
- Fed RSSD
- 925653
- Website
- www.bankoftexasonline.com →
- Parent Holding Company
- TALL CITY BANCSHARES, INC. (RSSD 3929821)
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.
No provision recorded in the last 12 quarters.
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.
Inside the full Bank of Texas terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Bank of Texas, 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.
Bank of Texas 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 | 15.09% | 1.53% | 0.48% | 2.51% | 3.42% |
| Q1 2026 | 14.19% | 1.83% | 0.48% | 2.64% | 3.84% |
| Q4 2025 | 14.29% | 1.86% | 0.09% | 0.49% | 3.66% |
| Q3 2025 | 14.12% | 2.37% | 0.13% | 0.70% | 4.43% |
| Q2 2025 | 12.95% | 2.03% | 1.34% | 7.83% | 4.04% |
| Q1 2025 | 11.56% | 2.00% | 1.27% | 8.18% | 3.99% |
| Q4 2024 | 10.49% | 2.39% | 0.13% | 8.56% | 4.48% |
| Q3 2024 | 10.40% | 2.59% | 0.14% | 1.04% | 4.64% |
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 3 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Texas (main office) | Midland , TX | 79701 | $243.7M |
| El Paso Branch | El Paso , TX | 79901 | $161.1M |
| Jayton Branch | Jayton , TX | 79528 | $46.5M |
Regulatory record
What the public regulatory sources show for Bank of Texas, 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
- 1 against the institution (Federal Reserve)
- October 27, 2014, Federal Reserve: Civil Money Penalty, $8,000: Bank of Texas, Midland, Texas
- Period: Most recent institution action October 27, 2014. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 198 of 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. 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 Bank of Texas
What are Bank of Texas's total assets?
As of the Q2 2026 filing, Bank of Texas reported total assets of $543.6 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Bank of Texas headquartered?
Bank of Texas is headquartered in Midland, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Bank of Texas founded?
Bank of Texas was established in 1962, per the FDIC institution directory.
Is Bank of Texas FDIC-insured?
Yes. Bank of Texas is an FDIC-insured commercial bank (FDIC Certificate #18576). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Texas?
Bank of Texas'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 Bank of Texas's CET1 capital ratio?
Bank of Texas reported a Common Equity Tier 1 (CET1) capital ratio of 15.09% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bank of Texas operate?
Bank of Texas operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Texas's Texas Ratio?
Bank of Texas's Texas Ratio is 2.51% 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.
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