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Bank of Texas

$100M-$1B Specialty: Commercial TX FDIC cert 18576

Midland, TX

3 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 +9.6% year over year ($451.2M on the books).
  • Delinquency rate 0.49%.
  • Return on assets 1.65%.
  • Efficiency ratio 40.79% vs a 64.48% peer average.
  • Loan-to-deposit ratio 85.43% 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) →

Bank of Texas has 3 strengths but faces 4 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

  • + Efficiency Ratio 23.69% below tier average
  • + ROA 0.33% above tier average
  • + Delinquency Rate 0.43% below tier average

Key Concerns

Areas that may need attention

  • - Cost Spiral: Bottom 2.9% in tier
  • - Margin Compression: Bottom 51.5% in tier
  • - Non-Interest Income / Assets 0.53% below tier average
  • - Net Interest Margin 0.36% below tier average
Get updates when Bank of Texas releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $543.6M
+3.8% YoY +0.1% QoQ
+$157.0M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
76%
Total Loans ? $385.5M
-2.2% YoY -3.0% QoQ
+$127.1M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
77%
Total Deposits ? $451.2M
+9.6% YoY +3.0% QoQ
+$124.5M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
75%
Return on Assets ? 1.65%
-18.4% YoY -7.1% QoQ
+0.33% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
73%
Net Interest Margin ? 3.62%
-11.8% YoY -4.6% QoQ
-0.36% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
33%
Efficiency Ratio ? 40.79%
+15.3% YoY +3.9% QoQ
-23.69% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
Top 4.6% in tier
Delinquency Rate ? 0.49%
-63.9% YoY +0.5% QoQ
-0.43% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
46%
Loan-to-Deposit Ratio ? 85.43%
-10.8% YoY -5.8% QoQ
+7.48% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
37%
Non-Interest-Bearing Deposit Share ? 26.19%
-17.8% YoY +6.0% QoQ
+4.16% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
71%
Nonperforming Asset Ratio ? 0.35%
-66.0% YoY -2.7% QoQ
-0.32% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
48%
Tier 1 Capital Ratio ? 15.09%
+16.5% YoY +6.3% QoQ
-0.82% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
66%
Non-Interest Income / Assets ? 0.04%
-1.3% YoY +102.8% QoQ
-0.53% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
Bottom 3.7% 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 26.2%
-5.7pp YoY
+1.5pp QoQ
 +4.0pp 22.1% 29.2% 22.2% 70%
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 38.3%
+0.7pp YoY
+0.3pp QoQ
 +26.7pp 11.6% 14.8% 12.5% 98%
CRE 55.9%
-0.4pp YoY
-0.8pp QoQ
 +16.3pp 39.5% 48.4% 41.4% 80%
1-4 Family 2.5%
0.0pp YoY
0.0pp QoQ
 -30.1pp 32.6% 25.8% 31.3% 2%
Consumer 0.2%
0.0pp YoY
0.0pp QoQ
 -3.9pp 4.1% 4.7% 5.0% 8%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio 15.1%
+2.1pp YoY
+0.9pp QoQ
 -3.7pp 18.8% 22.7% 19.7% 50%
Leverage Ratio 13.0%
+1.4pp YoY
0.0pp QoQ
 +0.8pp 12.2% 12.6% 12.6% 75%
Total Capital Ratio 16.3%
+2.2pp YoY
+0.9pp QoQ
 -3.6pp 19.9% 23.8% 20.8% 51%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 26
-3 (-10.3%) YoY
-1 (-3.7%) QoQ
 -33 58 186 482 21%
Assets per Employee ($) $20.9M
+15.8% YoY
+3.9% QoQ
 +$13.4M $7.5M $10.1M $8.8M 100%
Branch Count 3
0 YoY
0 QoQ
 -2 4 12 18 26%

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 0.5%
-0.9pp YoY
0.0pp QoQ
 -0.4pp 0.9% 1.0% 1.0% 52%
Allowance Coverage 3.01x
+183.2% YoY
+2.6% QoQ
 -21.14x 24.15x 18.82x 20.23x 58%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 12.9%
-5.0pp YoY
-1.0pp QoQ
 +0.7pp 12.2% 13.2% 11.6% 55%
Cost of Funds (YTD) 2.4%
0.0pp YoY
0.0pp QoQ
 +0.7pp 1.7% 1.6% 1.7% 87%
Net Income ($, YTD) $4.4M
-17.7% YoY
— QoQ
 +$1.9M $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 (0)

No matched strength signatures this quarter

Concerns (2)

Cost Spiral

risk
#5 of 138 • Bottom 2.9% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 40.79%
(Tier: 64.48%, National: 70.05%)
better than tier avg
138 of 138 Community banks match · 184 nationally
→ Stable +9 banks QoQ

Margin Compression

decline
#159 of 307 • Bottom 51.5% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.65%
(Tier: 1.32%, National: 1.30%)
better than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank improving

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 (4 metrics)

123
Efficiency Ratio
profitability
Value: 40.79%
Peer Median: 64.48%
#123 of 2643 Top 4.6% in $100M-$1B
596
Total Loans
size
Value: $385.46M
Peer Median: $258.35M
#596 of 2643 Top 22.5% in $100M-$1B
647
Total Assets
size
Value: $543.56M
Peer Median: $386.57M
#647 of 2643 Top 24.4% in $100M-$1B
660
Total Deposits
size
Value: $451.20M
Peer Median: $326.73M
#660 of 2643 Top 24.9% in $100M-$1B

Top Weaknesses (1 metrics)

2547
Non-Interest Income / Assets
revenue_mix
Value: 0.04%
Peer Median: 0.57%
#2547 of 2643 Bottom 3.7% in $100M-$1B
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