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Bank19

$100M-$1B Specialty: Other TX FDIC cert 3335

Memphis, TX

3 branches across TX · CO

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 +94.6% year over year ($121.8M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.61%.
  • Efficiency ratio 59.70% vs a 64.48% peer average.
  • Loan-to-deposit ratio 62.44% 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) →

Bank19 has 5 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

  • + Deposit Franchise: Top 34.2% in tier
  • + Credit Quality Leader: Top 42.2% in tier
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + ROA 0.28% above tier average
  • + Efficiency Ratio 4.78% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 19.7% in tier
Get updates when Bank19 releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $147.8M
+72.3% YoY +1.0% QoQ
-$238.8M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
Bottom 13.4% in tier
Total Loans ? $76.1M
+72.2% YoY +9.4% QoQ
-$182.3M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
Bottom 8.9% in tier
Total Deposits ? $121.8M
+94.6% YoY +0.7% QoQ
-$204.9M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
Bottom 12.6% in tier
Return on Assets ? 1.61%
+654.7% YoY +18.9% QoQ
+0.28% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
71%
Net Interest Margin ? 4.66%
+978.6% YoY +6.9% QoQ
+0.67% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
85%
Efficiency Ratio ? 59.70%
+8.4% YoY -4.5% QoQ
-4.78% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
58%
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 62.44%
-11.5% YoY +8.7% QoQ
-15.51% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
80%
Non-Interest-Bearing Deposit Share ? 60.19%
+78.3% YoY +0.5% QoQ
+38.16% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
Top 0.6% in tier
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 33.25%
-21.0% YoY +6.3% QoQ
+17.35% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
Top 3.0% in tier
Non-Interest Income / Assets ? 0.09%
+156.6% QoQ
-0.48% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
Bottom 14.5% 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 60.2%
+26.4pp YoY
+0.3pp QoQ
 +38.0pp 22.1% 29.2% 22.2% 99%
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 1.1%
-2.7pp YoY
-0.3pp QoQ
 -10.4pp 11.6% 14.8% 12.5% 4%
CRE 44.5%
-12.7pp YoY
-2.8pp QoQ
 +4.9pp 39.5% 48.4% 41.4% 61%
1-4 Family 35.3%
+16.4pp YoY
+1.0pp QoQ
 +2.7pp 32.6% 25.8% 31.3% 62%
Consumer 0.9%
-0.8pp YoY
-0.3pp QoQ
 -3.2pp 4.1% 4.7% 5.0% 26%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio 33.2%
-8.8pp YoY
+2.0pp QoQ
 +14.4pp 18.8% 22.7% 19.7% 95%
Leverage Ratio 15.3%
-9.9pp YoY
0.0pp QoQ
 +3.2pp 12.2% 12.6% 12.6% 88%
Total Capital Ratio 34.0%
-9.4pp YoY
+2.0pp QoQ
 +14.0pp 19.9% 23.8% 20.8% 95%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 22
+12 (+120.0%) YoY
+2 (+10.0%) QoQ
 -37 58 186 482 14%
Assets per Employee ($) $6.7M
-21.7% YoY
-8.2% QoQ
 -$801K $7.5M $10.1M $8.8M 47%
Branch Count 3
+1 (+50.0%) 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 n/a n/a 0.9% 1.0% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 18.82x 20.23x n/a
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 9.1%
+8.0pp YoY
+1.5pp QoQ
 -3.1pp 12.2% 13.2% 11.6% 31%
Cost of Funds (YTD) 1.1%
+0.8pp YoY
0.0pp QoQ
 -0.6pp 1.7% 1.6% 1.7% 13%
Net Income ($, YTD) $1.1M
+1333.8% YoY
— QoQ
 -$1.4M $2.6M $15.9M $40.4M 31%

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 (2)

Deposit Franchise

growth
#96 of 278 • Top 34.2% 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: 60.19%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.66%
(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

Credit Quality Leader

growth
#279 of 659 • Top 42.2% in tier

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

Why this signature
Delinquency Rate: 0.00%
(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

Concerns (1)

Liquidity Overhang

risk
#147 of 742 • Bottom 19.7% 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: 33.25%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 62.44%
(Tier: 77.95%, National: 79.03%)
better 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 (6 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
16
Non-Interest-Bearing Deposit Share
funding
Value: 60.19%
Peer Median: 22.03%
#16 of 2643 Top 0.6% in $100M-$1B
80
Tier 1 Capital Ratio
capital
Value: 33.25%
Peer Median: 15.91%
#80 of 2643 Top 3.0% in $100M-$1B
410
Net Interest Margin
profitability
Value: 4.66%
Peer Median: 3.99%
#410 of 2643 Top 15.5% in $100M-$1B
535
Loan-to-Deposit Ratio
liquidity
Value: 62.44%
Peer Median: 77.95%
#535 of 2643 Top 20.2% in $100M-$1B

Top Weaknesses (4 metrics)

2409
Total Loans
size
Value: $76.05M
Peer Median: $258.35M
#2409 of 2643 Bottom 8.9% in $100M-$1B
2312
Total Deposits
size
Value: $121.80M
Peer Median: $326.73M
#2312 of 2643 Bottom 12.6% in $100M-$1B
2289
Total Assets
size
Value: $147.78M
Peer Median: $386.57M
#2289 of 2643 Bottom 13.4% in $100M-$1B
2262
Non-Interest Income / Assets
revenue_mix
Value: 0.09%
Peer Median: 0.57%
#2262 of 2643 Bottom 14.5% in $100M-$1B
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