Bridge City State Bank
Bridge City, TX · Cert 18155 · Peer group: banks under $1B in assets in TX (n=208-211) · Odom Amtex Holdings Trust the
State charter, non-member · FDIC · 2 affiliate banks · 3 branches (7 in holding)
Q2 2026
$246.8MAssets
$134.7MLoans
$199.7MDeposits
$21.6MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in TX (rank 43 of 208).
- Widest gap: equity / assets trails 86% of banks under $1B in assets in TX (rank 182 of 211).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.14%
Rank 115 of 211
Net Interest Margin
3.28%
Rank 159 of 211
Efficiency Ratio
65.74%
Rank 122 of 211
Equity / Assets
8.74%
Rank 182 of 211
Non-interest income vs. expense
Unfavorable gap of $5.4M · efficiency ratio beats 43% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.14% | 0.87% | 1.20% | 1.65% | Beats 45% | 115 / 211 | | |
| Return on Equity | 12.99% | 7.52% | 11.67% | 14.58% | Beats 64% | 76 / 211 | | |
| Net Interest Margin | 3.28% | 3.28% | 3.82% | 4.31% | Beats 25% | 159 / 211 | | |
| Efficiency Ratio | 65.74% | 53.01% | 64.18% | 73.65% | Beats 43% | 122 / 211 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.08% | 0.01% | 0.30% | 1.10% | Beats 63% | 77 / 208 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 100% | 43 / 208 | | |
| Capital |
| Tier 1 Capital Ratio | 20.16% | 11.72% | 14.45% | 19.57% | Beats 77% | 48 / 211 | | |
| Total Risk-Based Capital Ratio | 21.03% | 11.94% | 14.78% | 20.30% | Beats 76% | 50 / 211 | | |
| Equity / Assets | 8.74% | 9.41% | 11.06% | 12.94% | Beats 14% | 182 / 211 | | |
| Liquidity & Funding |
| Loans / Deposits | 67.44% | 45.39% | 66.56% | 82.03% | 52nd pctl | 99 / 208 | | |
| Loans / Assets | 54.59% | 39.13% | 56.90% | 70.46% | 42nd pctl | 123 / 211 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |