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Bank of South Texas

$100M-$1B Specialty: Commercial TX FDIC cert 26727

Designations: ✓ Minority Depository Institution

Mcallen, TX

8 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 +9.0% year over year ($141.1M on the books).
  • Delinquency rate 0.23%.
  • Return on assets 1.10%.
  • Efficiency ratio 79.08% vs a 64.48% peer average.
  • Loan-to-deposit ratio 88.20% 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 South Texas has 2 strengths but faces 3 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

  • + Deposit Franchise: Top 24.8% in tier
  • + Delinquency Rate 0.69% below tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 10.8% in tier
  • - Liquidity Overhang: Bottom 41.8% in tier
  • - Efficiency Ratio 14.60% above tier average
Get updates when Bank of South 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 ? $174.5M
+8.5% YoY +2.3% QoQ
-$212.0M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
20%
Total Loans ? $124.4M
+13.3% YoY +7.0% QoQ
-$133.9M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
27%
Total Deposits ? $141.1M
+9.0% YoY +2.4% QoQ
-$185.7M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
19%
Return on Assets ? 1.10%
-36.3% YoY +28.3% QoQ
-0.22% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
40%
Net Interest Margin ? 6.98%
-5.6% YoY +2.5% QoQ
+2.99% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
Top 0.4% in tier
Efficiency Ratio ? 79.08%
+16.3% YoY -5.0% QoQ
+14.60% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
Bottom 14.5% in tier
Delinquency Rate ? 0.23%
-15.1% YoY +28.2% QoQ
-0.69% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
63%
Loan-to-Deposit Ratio ? 88.20%
+4.0% YoY +4.5% QoQ
+10.25% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
30%
Non-Interest-Bearing Deposit Share ? 33.70%
-12.3% YoY +2.9% QoQ
+11.67% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
Top 11.2% in tier
Nonperforming Asset Ratio ? 0.16%
-11.3% YoY +34.1% QoQ
-0.51% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
64%
Tier 1 Capital Ratio ? 16.63%
-1.3% YoY +0.4% QoQ
+0.72% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
75%
Non-Interest Income / Assets ? 0.23%
-7.4% YoY +105.2% QoQ
-0.34% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
58%

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 33.7%
-4.7pp YoY
+1.0pp QoQ
 +11.6pp 22.1% 29.2% 22.2% 89%
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 7.3%
+2.0pp YoY
+0.5pp QoQ
 -4.2pp 11.6% 14.8% 12.5% 35%
CRE 68.6%
+0.1pp YoY
-0.3pp QoQ
 +29.0pp 39.5% 48.4% 41.4% 92%
1-4 Family 23.2%
-1.7pp YoY
0.0pp QoQ
 -9.4pp 32.6% 25.8% 31.3% 37%
Consumer 1.4%
0.0pp YoY
-0.2pp QoQ
 -2.7pp 4.1% 4.7% 5.0% 37%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.7% 19.7% n/a
Leverage Ratio 16.6%
-0.2pp YoY
+0.1pp QoQ
 +4.5pp 12.2% 12.6% 12.6% 92%
Total Capital Ratio n/a n/a 19.9% 23.8% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 63
+4 (+6.8%) YoY
-7 (-10.0%) QoQ
 +4 58 186 482 66%
Assets per Employee ($) $2.8M
+1.6% YoY
+13.7% QoQ
 -$4.7M $7.5M $10.1M $8.8M 1%
Branch Count 8
+1 (+14.3%) YoY
0 QoQ
 +3 4 12 18 82%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
-0.2pp QoQ
 -0.3pp 0.3% 0.3% 0.4% 18%
Nonaccrual 0.2%
0.0pp YoY
 -0.7pp 0.9% 1.0% 1.0% 31%
Allowance Coverage 5.09x
+11.6% YoY
-27.1% QoQ
 -19.07x 24.15x 18.82x 20.23x 71%
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 6.0%
-3.5pp YoY
+1.3pp QoQ
 -6.2pp 12.2% 13.2% 11.6% 17%
Cost of Funds (YTD) 1.8%
0.0pp YoY
0.0pp QoQ
 +0.1pp 1.7% 1.6% 1.7% 56%
Net Income ($, YTD) $939,000
-32.0% YoY
— QoQ
 -$1.6M $2.6M $15.9M $40.4M 25%

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)

Deposit Franchise

growth
#70 of 278 • Top 24.8% 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: 33.70%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 6.98%
(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 (2)

Margin Compression

decline
#34 of 307 • Bottom 10.8% 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: 1.10%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank declining

Liquidity Overhang

risk
#311 of 742 • Bottom 41.8% 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: 16.63%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 88.20%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community 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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

11
Net Interest Margin
profitability
Value: 6.98%
Peer Median: 3.99%
#11 of 2643 Top 0.4% in $100M-$1B
297
Non-Interest-Bearing Deposit Share
funding
Value: 33.70%
Peer Median: 22.03%
#297 of 2643 Top 11.2% in $100M-$1B
653
Tier 1 Capital Ratio
capital
Value: 16.63%
Peer Median: 15.91%
#653 of 2643 Top 24.7% in $100M-$1B

Top Weaknesses (3 metrics)

2261
Efficiency Ratio
profitability
Value: 79.08%
Peer Median: 64.48%
#2261 of 2643 Bottom 14.5% in $100M-$1B
2153
Total Deposits
size
Value: $141.07M
Peer Median: $326.73M
#2153 of 2643 Bottom 18.6% in $100M-$1B
2114
Total Assets
size
Value: $174.55M
Peer Median: $386.57M
#2114 of 2643 Bottom 20.1% in $100M-$1B
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