FDIC Cert #26727 · Mcallen, Texas · Est. 1986

Bank of South Texas - FDIC Bank Health Profile

A community-scale look at Bank of South Texas's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$168M
Total assets
A
Health grade · Excellent
1.66%
Return on assets
16.9%
Tier 1 capital

Data updated July 2026

The verdict

Bank of South Texas earns a PlainBankData health grade of A (93/100), with well-capitalized at 16.88% Tier 1, profitable at 1.66% ROA, 69% efficiency ratio.

#3,235
largest of 4,313 FDIC banks by assets
25th
percentile by asset size, nationally
16.88%
Tier 1 ratio - above the 10% well-capitalized line
81st
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 26727 · TX A · 93/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (93/100)
  • UPPER-Q #492/4307
  • PHOTO-FINISH Hana Bank USA, Natio… · NJ
  • TIER1-WELL 16.9% Tier 1
  • TEXAS-CLEAN 1.4% Texas
  • ROA-STRONG 1.66% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Texas: Hana Bank USA, National Association, NJ (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Bank of South Texas

Lowest and highest poles plus nearest scored peers outside Texas, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of South Texas · TX · t…93/100Credit One Bank, Nat… · NV ·…93/100Hana Bank USA, Natio… · NJ ·…93/100Pioneer Bank · NM · near93/100SoFi Bank, National… · UT · …93/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Bank of South Texas · July 2026

Call Report read for Bank of South Texas in a high-failure state

Bank of South Texas (FDIC Cert #26727) carries a PlainBankData health grade of A at 93/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #492 of 4,307. Tier 1 capital prints at 16.88%, clearing the 10% well-capitalized line. The Texas Ratio is 1.37%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.66%. Balance-sheet scale is $168M, 3,235th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Hana Bank USA, National Association (NJ), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Bank of South Texas

14 FAILURE resolutions in Texas since 2000, heavy vs the state corpus

Bank of South Texas sits in one of the heavier post-2000 FAILURE states (14 resolutions; latest year 2025). The list below is state history from the Failed Bank List, not a claim about Bank of South Texas's current Call Report.

  • SANTA ANNA NATIONAL BANK SANTA ANNA, TX 2025 → COLEMAN COUNTY STATE BANK
  • ENLOE STATE BANK COOPER, TX 2019 → LEGEND BANK, NA
  • FIRST NATIONAL BANK EDINBURG, TX 2013 → PLAINSCAPITAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Texas banks.

How Bank of South Texas's 93/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10093/100
Bank of South Texas's composite health score
Tier 1 Capital Ratio (16.88%) 40/40
Return on Assets (ROA) (1.66%) 25/25
Texas Ratio (1.37%) 20/20
Efficiency Ratio (69.06%) 8/15

93 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$168M

Total balance-sheet footings

Total Deposits

$135M

Customer-funded liabilities

Net Loans

$115M

Outstanding loan book

Net Income

$3M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% 21% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 15.48% 16.88% 18.28%
Basel III capital ratios - Bank of South Texas

Where Bank of South Texas ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of South Texas's score of 93/100 falls in the highlighted band.

Bank of South Texas: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

93 Top 11% higher than 89% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. Bank of South Texas 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Bank of South Texas's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bank of South Texas's $168M falls in the highlighted band.

Capital & credit buffers at Bank of South Texas

Tier 1 capital ratio
Well-capitalized 10%

16.88% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
16.88%
Texas Ratio
1.37%
Equity Capital
$31M

What these ratios mean →

Earnings posture at Bank of South Texas

Return on Assets (ROA)
81st percentile nationally
1.66%
Return on Equity (ROE)
9.01%
Efficiency Ratio
69.06%

What these mean →

Income & expense at Bank of South Texas

$13M
Interest Income
$788K
Non-Interest Income
$8M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of South Texas reports a Texas Ratio of 1.37% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.37% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Bank of South Texas on FDIC BankFind →

Top banks in Texas by total assets

Largest banks headquartered in Texas
  1. 1
    Charles Schwab Bank, SSB $253.8B

    Westlake, TX · Grade A

  2. 2
    Frost Bank $53.1B

    San Antonio, TX · Grade A

  3. 3
    Prosperity Bank $38.5B

    El Campo, TX · Grade A

  4. 4
    Texas Capital Bank $31.3B

    Dallas, TX · Grade A

  5. 5
    Charles Schwab Premier Bank, SSB $27.0B

    Westlake, TX · Grade A

Top 5 banks in Texas ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($168M here), outside Texas so the neighborhood is not state containment.

Farmers Bank & Trust $168M · KS Twin River Bank $168M · ID Bank of Hydro $168M · OK Woodland Bank $168M · MN

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of South Texas (FDIC Cert #26727) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Bank of South Texas Call Report profile · FDIC Failed Bank List · Texas FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Texas

All Texas banks →
BankAssetsGradeROA
Charles Schwab Bank, SSBWestlake $253.8B A 0.94%
Frost BankSan Antonio $53.1B A 1.26%
Prosperity BankEl Campo $38.5B A 1.44%
Texas Capital BankDallas $31.3B A 1.10%
Charles Schwab Premier Bank, SSBWestlake $27.0B A 1.47%
First Financial BankAbilene $15.4B A 1.64%
NexBankDallas $13.9B A 1.17%
PlainsCapital BankUniversity Park $12.7B B 1.05%