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TexasBank

$1B-$10B Specialty: Commercial TX FDIC cert 19559

Designations: ✓ Community bank

Fort Worth, TX

20 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 +3.5% year over year ($2.0B on the books).
  • Delinquency rate 0.42%.
  • Return on assets 2.33%.
  • Efficiency ratio 52.77% vs a 59.73% peer average.
  • Loan-to-deposit ratio 105.27% 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) →

TexasBank 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

  • + Profitability Leader: Top 5.0% in tier
  • + Net Interest Margin 1.05% above tier average
  • + Efficiency Ratio 6.96% below tier average
  • + Delinquency Rate 0.45% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 18.0% in tier
Get updates when TexasBank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $2.5B
+2.6% YoY +0.4% QoQ
-$313.6M $2.8B
-0.6% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
61%
Total Loans ? $2.1B
+9.1% YoY +3.3% QoQ
+$150.1M $2.0B
-0.3% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
70%
Total Deposits ? $2.0B
+3.5% YoY -0.6% QoQ
-$311.4M $2.3B
-0.5% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
59%
Return on Assets ? 2.33%
+44.8% YoY +0.6% QoQ
+0.94% 1.39%
+17.0% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
Top 5.2% in tier
Net Interest Margin ? 4.92%
+23.3% YoY +3.7% QoQ
+1.05% 3.87%
+6.2% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
Top 6.4% in tier
Efficiency Ratio ? 52.77%
-12.6% YoY +2.0% QoQ
-6.96% 59.73%
-12.6% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
69%
Delinquency Rate ? 0.42%
-42.3% YoY -12.8% QoQ
-0.45% 0.87%
+11.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
59%
Loan-to-Deposit Ratio ? 105.27%
+5.4% YoY +3.9% QoQ
+20.24% 85.04%
-0.1% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
Bottom 7.2% in tier
Non-Interest-Bearing Deposit Share ? 19.48%
+14.0% YoY +4.7% QoQ
-1.79% 21.27%
-1.5% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
48%
Nonperforming Asset Ratio ? 0.70%
-18.3% YoY +0.8% QoQ
+0.03% 0.67%
+11.7% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
32%
Tier 1 Capital Ratio ? 17.39%
+2.0% YoY -1.1% QoQ
+2.55% 14.84%
-0.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
Top 13.2% in tier
Non-Interest Income / Assets ? 0.35%
+51.3% YoY +61.9% QoQ
-0.18% 0.53%
+2.5% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
62%

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 19.5%
+2.4pp YoY
+0.9pp QoQ
 -1.9pp 21.4% 29.2% 22.2% 48%
Brokered Deposits 4.2%
+2.5pp YoY
-0.7pp QoQ
 -5.3pp 9.5% 8.0% 8.5% 43%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 2.7%
+1.3pp YoY
0.0pp QoQ
 -11.3pp 14.0% 14.8% 12.5% 9%
CRE 41.7%
+1.5pp YoY
+2.2pp QoQ
 -8.3pp 50.0% 48.4% 41.4% 29%
1-4 Family 53.2%
-3.0pp YoY
-2.1pp QoQ
 +26.8pp 26.4% 25.8% 31.3% 91%
Consumer 0.4%
0.0pp YoY
0.0pp QoQ
 -4.3pp 4.7% 4.7% 5.0% 27%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio 17.4%
+0.3pp YoY
-0.2pp QoQ
 +1.8pp 15.6% 22.7% 19.7% 85%
Leverage Ratio 12.9%
+1.4pp YoY
+0.2pp QoQ
 +1.6pp 11.3% 12.6% 12.6% 84%
Total Capital Ratio 18.6%
+0.3pp YoY
-0.2pp QoQ
 +1.9pp 16.7% 23.8% 20.8% 85%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 406
+53 (+15.0%) YoY
+40 (+10.9%) QoQ
 +92 313 186 482 78%
Assets per Employee ($) $6.1M
-10.8% YoY
-9.5% QoQ
 -$4.4M $10.5M $10.1M $8.8M 13%
Branch Count 20
+1 (+5.3%) YoY
0 QoQ
 -0 20 12 18 65%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-0.4pp YoY
 -0.1pp 0.2% 0.3% 0.4% 36%
Nonaccrual 0.4%
+0.1pp YoY
-0.1pp QoQ
 -0.4pp 0.8% 1.0% 1.0% 40%
Allowance Coverage 2.89x
+78.7% YoY
+14.3% QoQ
 -15.82x 18.71x 18.82x 20.23x 62%
Net Charge-off Rate (YTD) 0.1%
+0.1pp YoY
-0.1pp QoQ
 -0.1pp 0.3% 0.1% 0.2% 70%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 18.7%
+4.0pp YoY
0.0pp QoQ
 +6.1pp 12.6% 13.2% 11.6% 87%
Cost of Funds (YTD) 2.4%
-0.7pp YoY
0.0pp QoQ
 +0.4pp 1.9% 1.6% 1.7% 80%
Net Income ($, YTD) $28.5M
+40.9% YoY
— QoQ
 +$9.2M $19.2M $15.9M $40.4M 81%

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 (1)

Profitability Leader

growth
#12 of 222 • Top 5.0% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.33%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable

Concerns (1)

Liquidity Overhang

risk
#32 of 172 • Bottom 18.0% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 17.39%
(Tier: 14.84%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 105.27%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
172 of 172 Mid-Market banks match · 940 nationally
→ Stable +7 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 885 peers in $1B-$10B

Top Strengths (3 metrics)

47
Return on Assets
profitability
Value: 2.33%
Peer Median: 1.39%
#47 of 885 Top 5.2% in $1B-$10B
58
Net Interest Margin
profitability
Value: 4.92%
Peer Median: 3.87%
#58 of 885 Top 6.4% in $1B-$10B
118
Tier 1 Capital Ratio
capital
Value: 17.39%
Peer Median: 14.84%
#118 of 885 Top 13.2% in $1B-$10B

Top Weaknesses (1 metrics)

822
Loan-to-Deposit Ratio
liquidity
Value: 105.27%
Peer Median: 85.04%
#822 of 885 Bottom 7.2% in $1B-$10B
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