Texas Regional Bank
Harlingen, TX · Cert 26906 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Texas State Bankshares Inc.
State charter, Fed member · FED · 36 branches
Q2 2026
$2.9BAssets
$1.8BLoans
$2.5BDeposits
$271.2MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 39% of banks $1B-$10B in assets operating in a single state (rank 158 of 258).
- Widest gap: efficiency ratio trails 97% of banks $1B-$10B in assets operating in a single state (rank 250 of 257).
- Overall: at or above the peer median on 0 of 9 directional measures.
Return on Assets
0.30%
Rank 250 of 258
Net Interest Margin
3.16%
Rank 194 of 258
Efficiency Ratio
88.84%
Rank 250 of 257
Equity / Assets
9.19%
Rank 188 of 258
Non-interest income vs. expense
Unfavorable gap of $79.7M · efficiency ratio beats 3% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.30% | 0.93% | 1.23% | 1.54% | Beats 3% | 250 / 258 | | |
| Return on Equity | 3.21% | 9.26% | 11.84% | 14.74% | Beats 4% | 248 / 258 | | |
| Net Interest Margin | 3.16% | 3.16% | 3.49% | 3.88% | Beats 25% | 194 / 258 | | |
| Efficiency Ratio | 88.84% | 51.71% | 60.30% | 69.65% | Beats 3% | 250 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.59% | 0.19% | 0.46% | 0.90% | Beats 35% | 169 / 258 | | |
| Net Charge-Offs / Loans | 0.04% | 0.01% | 0.02% | 0.07% | Beats 39% | 158 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 12.06% | 11.41% | 12.98% | 15.12% | Beats 35% | 168 / 258 | | |
| Total Risk-Based Capital Ratio | 13.08% | 12.10% | 13.91% | 16.08% | Beats 39% | 158 / 258 | | |
| Equity / Assets | 9.19% | 9.09% | 10.24% | 11.72% | Beats 27% | 188 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 72.40% | 73.24% | 86.34% | 95.95% | 22nd pctl | 200 / 258 | | |
| Loans / Assets | 60.92% | 63.01% | 72.27% | 78.40% | 21st pctl | 204 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |