Bank and Trust, SSB, The
Del Rio, TX · Cert 1184 · Peer group: banks under $1B in assets in TX (n=208-211) · Westex Bcorp Inc.
State charter, Fed member · FED · 10 branches
Q2 2026
$583.8MAssets
$397.6MLoans
$529.3MDeposits
$50.2MEquity
Executive Summary
- Strongest standing: return on equity outperforms 73% of banks under $1B in assets in TX (rank 58 of 211).
- Widest gap: equity / assets trails 88% of banks under $1B in assets in TX (rank 186 of 211).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.22%
Rank 100 of 211
Net Interest Margin
4.17%
Rank 69 of 211
Efficiency Ratio
72.31%
Rank 151 of 211
Equity / Assets
8.59%
Rank 186 of 211
Non-interest income vs. expense
Unfavorable gap of $14.9M · efficiency ratio beats 29% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.22% | 0.87% | 1.20% | 1.65% | Beats 53% | 100 / 211 | |
| Return on Equity | 14.20% | 7.52% | 11.67% | 14.58% | Beats 73% | 58 / 211 | |
| Net Interest Margin | 4.17% | 3.28% | 3.82% | 4.31% | Beats 67% | 69 / 211 | |
| Efficiency Ratio | 72.31% | 53.01% | 64.18% | 73.65% | Beats 29% | 151 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.05% | 0.01% | 0.30% | 1.10% | Beats 69% | 65 / 208 | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.06% | Beats 43% | 119 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 17.15% | 11.72% | 14.45% | 19.57% | Beats 67% | 70 / 211 | |
| Total Risk-Based Capital Ratio | 18.40% | 11.94% | 14.78% | 20.30% | Beats 69% | 66 / 211 | |
| Equity / Assets | 8.59% | 9.41% | 11.06% | 12.94% | Beats 12% | 186 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 75.11% | 45.39% | 66.56% | 82.03% | 64th pctl | 75 / 208 | |
| Loans / Assets | 68.10% | 39.13% | 56.90% | 70.46% | 71st pctl | 62 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |