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Bank Of South Texas
Mcallen, TX · FDIC Certificate #26727 · Chartered 07/0
Total assets
$174.55M
Total deposits
$141.07M
Total equity
$31.74M
Net loans
$124.42M
Branches (offices)
8
Net income (YTD)
$939.00K
Rank: #3,149 of 4,213 U.S. banks by assets · #266 of 346 in Texas. Assets changed 8.5% and deposits 9.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.10% |
| Return on equity | 6.00% |
| Net interest margin (YTD) | 6.98% |
| Equity to assets | 18.18% |
| Tier 1 leverage ratio | 16.63% |
| Uninsured deposits (share of deposits) | 19.7% |
| Noncurrent loans (share of loans) | 0.23% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 88.2% |
| Real estate loans (share of loans) | 92.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $115.00M | 92.4% | |
| Commercial & industrial | $9.10M | 7.3% | |
| Consumer / individual | $1.72M | 1.4% | |
| Construction & development | $55.31M | 44.5% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $144.82M | $121.97M | $1.22M | $21.64M |
| Jun 2023 | $166.33M | $140.59M | $1.38M | $24.35M |
| Jun 2024 | $164.62M | $135.79M | $1.26M | $27.22M |
| Jun 2025 | $160.90M | $129.46M | $1.38M | $29.99M |
| Jun 2026 | $174.55M | $141.07M | $939.00K | $31.74M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $141.07M | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $141.07M.
Similar-sized banks
Farmers State Bank & Trust Co. ($174.68M) · Iroquois Farmers State Bank ($174.46M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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