Trusttexas Bank, S.S.B.
Cuero, TX · Cert 28515 · Peer group: banks under $1B in assets in TX (n=208-211) · Trusttexas Mutual Holding Co.
SI · FDIC · 6 branches
Q2 2026
$393.5MAssets
$213.2MLoans
$384.8MDeposits
$5.8MEquity
Executive Summary
- Strongest standing: return on equity outperforms 84% of banks under $1B in assets in TX (rank 34 of 211).
- Widest gap: equity / assets trails 100% of banks under $1B in assets in TX (rank 211 of 211).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.24%
Rank 196 of 211
Net Interest Margin
2.35%
Rank 204 of 211
Efficiency Ratio
88.45%
Rank 194 of 211
Equity / Assets
1.48%
Rank 211 of 211
Non-interest income vs. expense
Unfavorable gap of $8.5M · efficiency ratio beats 9% 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 | 0.24% | 0.87% | 1.20% | 1.65% | Beats 7% | 196 / 211 | |
| Return on Equity | 15.87% | 7.52% | 11.67% | 14.58% | Beats 84% | 34 / 211 | |
| Net Interest Margin | 2.35% | 3.28% | 3.82% | 4.31% | Beats 3% | 204 / 211 | |
| Efficiency Ratio | 88.45% | 53.01% | 64.18% | 73.65% | Beats 9% | 194 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.67% | 0.01% | 0.30% | 1.10% | Beats 35% | 137 / 208 | |
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.01% | 0.06% | Beats 30% | 147 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 17.45% | 11.72% | 14.45% | 19.57% | Beats 69% | 66 / 211 | |
| Total Risk-Based Capital Ratio | 18.47% | 11.94% | 14.78% | 20.30% | Beats 70% | 63 / 211 | |
| Equity / Assets | 1.48% | 9.41% | 11.06% | 12.94% | Beats 0% | 211 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 55.40% | 45.39% | 66.56% | 82.03% | 32nd pctl | 141 / 208 | |
| Loans / Assets | 54.19% | 39.13% | 56.90% | 70.46% | 40th pctl | 126 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |