Bank of Texas
Midland, TX · Cert 18576 · Peer group: banks under $1B in assets in TX (n=208-211) · Tall City Bancshares Inc.
State charter, Fed member · FED · 3 branches
Q2 2026
$543.6MAssets
$391.2MLoans
$451.2MDeposits
$70.2MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in TX (rank 43 of 208).
- Widest gap: net interest margin trails 65% of banks under $1B in assets in TX (rank 137 of 211).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.63%
Rank 54 of 211
Net Interest Margin
3.51%
Rank 137 of 211
Efficiency Ratio
40.79%
Rank 17 of 211
Equity / Assets
12.91%
Rank 54 of 211
Non-interest income vs. expense
Unfavorable gap of $7.5M · efficiency ratio beats 92% 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 | 1.63% | 0.87% | 1.20% | 1.65% | Beats 74% | 54 / 211 | |
| Return on Equity | 12.65% | 7.52% | 11.67% | 14.58% | Beats 57% | 90 / 211 | |
| Net Interest Margin | 3.51% | 3.28% | 3.82% | 4.31% | Beats 35% | 137 / 211 | |
| Efficiency Ratio | 40.79% | 53.01% | 64.18% | 73.65% | Beats 92% | 17 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.48% | 0.01% | 0.30% | 1.10% | Beats 40% | 125 / 208 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 100% | 43 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 15.09% | 11.72% | 14.45% | 19.57% | Beats 55% | 96 / 211 | |
| Total Risk-Based Capital Ratio | 16.33% | 11.94% | 14.78% | 20.30% | Beats 59% | 86 / 211 | |
| Equity / Assets | 12.91% | 9.41% | 11.06% | 12.94% | Beats 74% | 54 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 86.69% | 45.39% | 66.56% | 82.03% | 84th pctl | 33 / 208 | |
| Loans / Assets | 71.96% | 39.13% | 56.90% | 70.46% | 79th pctl | 44 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |