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The Bank and Trust, S.S.B.

$100M-$1B Specialty: Other TX FDIC cert 1184

Del Rio, TX

10 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
  • Deposits +2.0% year over year ($529.3M on the books).
  • Delinquency rate 0.05%.
  • Return on assets 1.56%.
  • Efficiency ratio 72.31% vs a 64.48% peer average.
  • Loan-to-deposit ratio 74.26% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX
View $100M-$1B leaderboard (TX) →

The Bank and Trust, S.S.B. has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 11.5% in tier
  • + Credit Quality Leader: Top 15.2% in tier
  • + Deposit Franchise: Top 63.7% in tier
  • + ROA 0.23% above tier average

Key Concerns

Areas that may need attention

  • - Efficiency Ratio 7.83% above tier average
Get updates when The Bank and Trust, S.S.B. releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $583.8M
+2.9% YoY +0.4% QoQ
+$197.2M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
79%
Total Loans ? $393.1M
+10.7% YoY +3.5% QoQ
+$134.7M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
79%
Total Deposits ? $529.3M
+2.0% YoY +0.3% QoQ
+$202.6M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
83%
Return on Assets ? 1.56%
-1.2% YoY +5.2% QoQ
+0.23% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
68%
Net Interest Margin ? 4.55%
+4.4% YoY +3.2% QoQ
+0.57% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
82%
Efficiency Ratio ? 72.31%
+1.3% YoY -1.8% QoQ
+7.83% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
25%
Delinquency Rate ? 0.05%
-14.0% YoY -3.3% QoQ
-0.87% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
80%
Loan-to-Deposit Ratio ? 74.26%
+8.5% YoY +3.1% QoQ
-3.69% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
61%
Non-Interest-Bearing Deposit Share ? 36.36%
-3.1% YoY +6.4% QoQ
+14.33% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
Top 8.1% in tier
Nonperforming Asset Ratio ? 0.03%
-7.5% YoY -0.4% QoQ
-0.64% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
82%
Tier 1 Capital Ratio ? 17.15%
-4.4% YoY -1.1% QoQ
+1.24% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
77%
Non-Interest Income / Assets ? 0.87%
+10.8% YoY +105.6% QoQ
+0.30% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
Top 4.2% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Noninterest-Bearing 36.4%
-1.1pp YoY
+2.2pp QoQ
 +14.2pp 22.1% 29.2% 22.2% 92%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 10.0%
+1.4pp YoY
+0.7pp QoQ
 -1.6pp 11.6% 14.8% 12.5% 52%
CRE 26.6%
+0.7pp YoY
-0.2pp QoQ
 -13.0pp 39.5% 48.4% 41.4% 29%
1-4 Family 54.1%
-1.7pp YoY
-0.5pp QoQ
 +21.5pp 32.6% 25.8% 31.3% 86%
Consumer 3.4%
+0.2pp YoY
+0.4pp QoQ
 -0.8pp 4.1% 4.7% 5.0% 64%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio 17.1%
-0.8pp YoY
-0.2pp QoQ
 -1.7pp 18.8% 22.7% 19.7% 65%
Leverage Ratio 10.0%
+0.1pp YoY
0.0pp QoQ
 -2.2pp 12.2% 12.6% 12.6% 30%
Total Capital Ratio 18.4%
-0.8pp YoY
-0.2pp QoQ
 -1.5pp 19.9% 23.8% 20.8% 65%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 148
+8 (+5.7%) YoY
+1 (+0.7%) QoQ
 +89 58 186 482 97%
Assets per Employee ($) $3.9M
-2.6% YoY
-0.2% QoQ
 -$3.6M $7.5M $10.1M $8.8M 4%
Branch Count 10
+1 (+11.1%) YoY
0 QoQ
 +5 4 12 18 90%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual 0.0%
0.0pp YoY
0.0pp QoQ
 -0.9pp 0.9% 1.0% 1.0% 11%
Allowance Coverage 24.84x
+14.6% YoY
+4.0% QoQ
 +0.69x 24.15x 18.82x 20.23x 90%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 52%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 18.3%
-2.0pp YoY
+0.8pp QoQ
 +6.1pp 12.2% 13.2% 11.6% 83%
Cost of Funds (YTD) 0.9%
-0.1pp YoY
0.0pp QoQ
 -0.9pp 1.7% 1.6% 1.7% 7%
Net Income ($, YTD) $4.5M
+3.9% YoY
— QoQ
 +$2.0M $2.6M $15.9M $40.4M 84%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (3)

Revenue Diversifier

growth
#77 of 661 • Top 11.5% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.87%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 1.56%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Credit Quality Leader

growth
#101 of 659 • Top 15.2% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.05%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Deposit Franchise

growth
#178 of 278 • Top 63.7% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 36.36%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.55%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (9 metrics)

112
Non-Interest Income / Assets
revenue_mix
Value: 0.87%
Peer Median: 0.57%
#112 of 2643 Top 4.2% in $100M-$1B
215
Non-Interest-Bearing Deposit Share
funding
Value: 36.36%
Peer Median: 22.03%
#215 of 2643 Top 8.1% in $100M-$1B
463
Total Deposits
size
Value: $529.30M
Peer Median: $326.73M
#463 of 2643 Top 17.5% in $100M-$1B
479
Nonperforming Asset Ratio
credit_quality
Value: 0.03%
Peer Median: 0.67%
#479 of 2643 Top 18.1% in $100M-$1B
487
Net Interest Margin
profitability
Value: 4.55%
Peer Median: 3.99%
#487 of 2643 Top 18.4% in $100M-$1B
529
Delinquency Rate
credit_quality
Value: 0.05%
Peer Median: 0.92%
#529 of 2633 Top 20.1% in $100M-$1B
548
Total Assets
size
Value: $583.77M
Peer Median: $386.57M
#548 of 2643 Top 20.7% in $100M-$1B
565
Total Loans
size
Value: $393.07M
Peer Median: $258.35M
#565 of 2643 Top 21.3% in $100M-$1B
596
Tier 1 Capital Ratio
capital
Value: 17.15%
Peer Median: 15.91%
#596 of 2643 Top 22.5% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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