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Texas State Bank
San Angelo, TX · FDIC Certificate #18698 · Chartered 02/1
Total assets
$425.54M
Total deposits
$354.18M
Total equity
$54.33M
Net loans
$278.38M
Branches (offices)
4
Net income (YTD)
$5.41M
Rank: #1,976 of 4,213 U.S. banks by assets · #175 of 346 in Texas. Assets changed 2.2% and deposits 4.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.54% |
| Return on equity | 20.34% |
| Net interest margin (YTD) | 4.62% |
| Equity to assets | 12.77% |
| Tier 1 leverage ratio | 13.58% |
| Uninsured deposits (share of deposits) | 26.7% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 78.6% |
| Real estate loans (share of loans) | 88.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $246.87M | 88.7% | |
| Commercial & industrial | $26.55M | 9.5% | |
| Consumer / individual | $3.96M | 1.4% | |
| Construction & development | $41.36M | 14.9% | |
| Agricultural | $2.78M | 1.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $398.49M | $363.80M | $2.41M | $31.73M |
| Jun 2023 | $399.72M | $333.56M | $3.57M | $34.99M |
| Jun 2024 | $402.09M | $332.89M | $4.26M | $42.42M |
| Jun 2025 | $416.23M | $337.68M | $4.76M | $51.91M |
| Jun 2026 | $425.54M | $354.18M | $5.41M | $54.33M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $354.18M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $354.18M.
Similar-sized banks
Winnsboro State Bank & Trust Company ($425.69M) · The Commercial National Bank Of Brady ($425.39M)
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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