Texas Bank and Trust Company
Longview, TX · Cert 17842 · Peer group: banks $1B-$10B in assets operating in a single state (n=266-267) · RJ Pope Management Gp LLC
State charter, non-member · FDIC · 21 branches
Q2 2026
$4.3BAssets
$3.4BLoans
$3.8BDeposits
$559.9MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 85% of banks $1B-$10B in assets operating in a single state (rank 40 of 267).
- Widest gap: nonperforming loans / loans trails 67% of banks $1B-$10B in assets operating in a single state (rank 180 of 267).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.55%
Rank 67 of 267
Net Interest Margin
3.58%
Rank 117 of 267
Efficiency Ratio
54.69%
Rank 90 of 266
Equity / Assets
12.90%
Rank 40 of 267
Non-interest income vs. expense
Unfavorable gap of $68.2M · efficiency ratio beats 67% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.55% | 0.93% | 1.23% | 1.55% | Beats 75% | 67 / 267 | |
| Return on Equity | 12.05% | 9.16% | 11.84% | 14.56% | Beats 52% | 129 / 267 | |
| Net Interest Margin | 3.58% | 3.12% | 3.50% | 3.88% | Beats 56% | 117 / 267 | |
| Efficiency Ratio | 54.69% | 51.36% | 60.21% | 69.66% | Beats 67% | 90 / 266 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.61% | 0.19% | 0.46% | 0.89% | Beats 33% | 180 / 267 | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.06% | Beats 76% | 67 / 267 | |
| Capital |
| Tier 1 Capital Ratio | 15.85% | 11.29% | 13.05% | 15.13% | Beats 78% | 58 / 267 | |
| Total Risk-Based Capital Ratio | 17.10% | 11.95% | 13.87% | 16.27% | Beats 80% | 53 / 267 | |
| Equity / Assets | 12.90% | 9.18% | 10.29% | 11.76% | Beats 85% | 40 / 267 | |
| Liquidity & Funding |
| Loans / Deposits | 91.52% | 72.68% | 86.16% | 95.22% | 66th pctl | 92 / 267 | |
| Loans / Assets | 79.10% | 62.46% | 71.96% | 78.38% | 77th pctl | 61 / 267 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |