Texas Bank and Trust Company
Longview, TX · Cert 17842 · Peer group: banks $1B-$10B in assets (n=322-328) · 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 83% of banks $1B-$10B in assets (rank 55 of 328).
- Widest gap: nonperforming loans / loans trails 57% of banks $1B-$10B in assets (rank 184 of 322).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.55%
Rank 75 of 328
Net Interest Margin
3.58%
Rank 132 of 328
Efficiency Ratio
54.69%
Rank 116 of 328
Equity / Assets
12.90%
Rank 55 of 328
Non-interest income vs. expense
Unfavorable gap of $68.2M · efficiency ratio beats 65% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.55% | 0.91% | 1.22% | 1.52% | Beats 77% | 75 / 328 | n/a | |
| Return on Equity | 12.05% | 8.43% | 11.45% | 14.43% | Beats 55% | 149 / 328 | n/a | |
| Net Interest Margin | 3.58% | 3.03% | 3.45% | 3.83% | Beats 60% | 132 / 328 | n/a | |
| Efficiency Ratio | 54.69% | 51.61% | 59.56% | 67.53% | Beats 65% | 116 / 328 | n/a | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.61% | 0.24% | 0.51% | 1.03% | Beats 43% | 184 / 322 | n/a | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.03% | 0.10% | Beats 76% | 78 / 322 | n/a | |
| Capital |
| Tier 1 Capital Ratio | 15.85% | 11.75% | 13.15% | 15.47% | Beats 77% | 74 / 328 | n/a | |
| Total Risk-Based Capital Ratio | 17.10% | 12.63% | 14.15% | 16.46% | Beats 80% | 66 / 328 | n/a | |
| Equity / Assets | 12.90% | 9.15% | 10.33% | 12.01% | Beats 83% | 55 / 328 | n/a | |
| Liquidity & Funding |
| Loans / Deposits | 91.52% | 76.63% | 87.92% | 95.36% | 63rd pctl | 118 / 323 | n/a | |
| Loans / Assets | 79.10% | 65.18% | 74.15% | 79.98% | 71st pctl | 95 / 328 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |