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Texas Bank and Trust Company

$1B-$10B Specialty: Commercial TX FDIC cert 17842

Designations: ✓ Community bank

Longview, TX

22 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 885 banks in the $1B-$10B peer group nationwide — 1 of 78 in TX.
  • Deposits -1.2% year over year ($3.8B on the books).
  • Delinquency rate 0.61%.
  • Return on assets 1.54%.
  • Efficiency ratio 54.69% vs a 59.73% peer average.
  • Loan-to-deposit ratio 90.41% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 78 in TX
View $1B-$10B leaderboard (TX) →

Texas Bank and Trust Company has 3 strengths but faces 2 concerns

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

  • + ROA 0.14% above tier average
  • + Efficiency Ratio 5.04% below tier average
  • + Delinquency Rate 0.25% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 3.3% in tier
  • - Net Interest Margin 0.12% below tier average
Get updates when Texas Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $4.3B
-0.1% YoY -2.7% QoQ
+$1.5B $2.8B
-0.6% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
82%
Total Loans ? $3.4B
-1.7% YoY +1.4% QoQ
+$1.4B $2.0B
-0.3% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
85%
Total Deposits ? $3.8B
-1.2% YoY -3.6% QoQ
+$1.4B $2.3B
-0.5% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
84%
Return on Assets ? 1.54%
+31.9% YoY +6.6% QoQ
+0.14% 1.39%
+17.0% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
71%
Net Interest Margin ? 3.75%
+17.0% YoY +2.4% QoQ
-0.12% 3.87%
+6.2% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
53%
Efficiency Ratio ? 54.69%
-9.3% YoY -3.5% QoQ
-5.04% 59.73%
-12.6% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
64%
Delinquency Rate ? 0.61%
+109.6% YoY +110.7% QoQ
-0.25% 0.87%
+11.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
43%
Loan-to-Deposit Ratio ? 90.41%
-0.5% YoY +5.1% QoQ
+5.37% 85.04%
-0.1% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
39%
Non-Interest-Bearing Deposit Share ? 29.60%
+12.3% YoY +12.3% QoQ
+8.33% 21.27%
-1.5% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
84%
Nonperforming Asset Ratio ? 0.49%
+102.5% YoY +108.1% QoQ
-0.19% 0.67%
+11.7% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
45%
Tier 1 Capital Ratio ? 15.85%
+12.7% YoY +0.2% QoQ
+1.01% 14.84%
-0.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
79%
Non-Interest Income / Assets ? 0.41%
+8.1% YoY +119.8% QoQ
-0.11% 0.53%
+2.5% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
72%

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 29.6%
+3.2pp YoY
+3.2pp QoQ
 +8.2pp 21.4% 29.2% 22.2% 84%
Brokered Deposits 1.0%
-2.7pp YoY
-0.2pp QoQ
 -8.4pp 9.5% 8.0% 8.5% 19%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 10.9%
+2.1pp YoY
+1.5pp QoQ
 -3.1pp 14.0% 14.8% 12.5% 48%
CRE 62.5%
-2.1pp YoY
-1.3pp QoQ
 +12.5pp 50.0% 48.4% 41.4% 80%
1-4 Family 25.4%
0.0pp YoY
-0.1pp QoQ
 -1.0pp 26.4% 25.8% 31.3% 56%
Consumer 0.7%
-0.1pp YoY
0.0pp QoQ
 -4.0pp 4.7% 4.7% 5.0% 38%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio 15.8%
+1.8pp YoY
0.0pp QoQ
 +0.3pp 15.6% 22.7% 19.7% 76%
Leverage Ratio 13.1%
+1.4pp YoY
+0.6pp QoQ
 +1.8pp 11.3% 12.6% 12.6% 86%
Total Capital Ratio 17.1%
+1.8pp YoY
0.0pp QoQ
 +0.4pp 16.7% 23.8% 20.8% 78%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 509
-20 (-3.8%) YoY
-1 (-0.2%) QoQ
 +195 313 186 482 84%
Assets per Employee ($) $8.5M
+3.9% YoY
-2.5% QoQ
 -$2.0M $10.5M $10.1M $8.8M 48%
Branch Count 22
0 YoY
0 QoQ
 +2 20 12 18 70%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.2% 0.3% 0.4% 51%
Nonaccrual 0.6%
+0.3pp YoY
+0.3pp QoQ
 -0.2pp 0.8% 1.0% 1.0% 56%
Allowance Coverage 2.01x
-52.4% YoY
-52.6% QoQ
 -16.70x 18.71x 18.82x 20.23x 49%
Net Charge-off Rate (YTD) 0.0%
-0.1pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.1% 0.2% 27%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 12.4%
+1.8pp YoY
+0.5pp QoQ
 -0.2pp 12.6% 13.2% 11.6% 52%
Cost of Funds (YTD) 1.6%
-0.4pp YoY
0.0pp QoQ
 -0.3pp 1.9% 1.6% 1.7% 31%
Net Income ($, YTD) $33.7M
+32.6% YoY
— QoQ
 +$14.5M $19.2M $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 (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Strain

risk
#13 of 361 • Bottom 3.3% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 90.41%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 banks QoQ

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 885 peers in $1B-$10B

Top Strengths (5 metrics)

138
Total Loans
size
Value: $3.39B
Peer Median: $1.96B
#138 of 885 Top 15.5% in $1B-$10B
143
Total Deposits
size
Value: $3.75B
Peer Median: $2.32B
#143 of 885 Top 16.0% in $1B-$10B
144
Non-Interest-Bearing Deposit Share
funding
Value: 29.60%
Peer Median: 21.27%
#144 of 885 Top 16.2% in $1B-$10B
157
Total Assets
size
Value: $4.34B
Peer Median: $2.79B
#157 of 885 Top 17.6% in $1B-$10B
185
Tier 1 Capital Ratio
capital
Value: 15.85%
Peer Median: 14.84%
#185 of 885 Top 20.8% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available
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