FDIC Cert #15501 · Lytle, Texas · Est. 1910

The Lytle State Bank of Lytle, Texas - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$108M
Total assets
B
Health grade · Good
0.48%
Return on assets
15.5%
Tier 1 capital

Data updated July 2026

The verdict

The Lytle State Bank of Lytle, Texas earns a PlainBankData health grade of B (67/100), with well-capitalized at 15.46% Tier 1, 0.48% ROA, 81% efficiency ratio.

#3,679
largest of 4,313 FDIC banks by assets
15th
percentile by asset size, nationally
15.46%
Tier 1 ratio - above the 10% well-capitalized line
15th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 15501 · TX B · 67/100

GRADE-B · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-B B (67/100)
  • LOWER-Q #3268/4307
  • PHOTO-FINISH First Bank of Coasta… · GA
  • TIER1-WELL 15.5% Tier 1
  • TEXAS-CLEAN 1.3% Texas
  • ROA-THIN 0.48% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Texas: First Bank of Coastal Georgia, GA (±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 The Lytle State Bank of Lytle, Texas

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

Morgan Stanley Bank,… · UT ·…100/100First Bank of Coasta… · GA ·…67/100Genesis Bank · MS · near67/100The Claxton Bank · GA · near67/100The Lytle State Bank… · TX ·…67/100The Union Banking Co… · OH ·…67/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The Lytle State Bank of Lytle, Texas · July 2026

Call Report read for The Lytle State Bank of Lytle, Texas in a high-failure state

The Lytle State Bank of Lytle, Texas (FDIC Cert #15501) carries a PlainBankData health grade of B at 67/100, 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 #3,268 of 4,307. Tier 1 capital prints at 15.46%, clearing the 10% well-capitalized line. The Texas Ratio is 1.34%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.48%. Balance-sheet scale is $108M, 3,679th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First Bank of Coastal Georgia (GA), 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 The Lytle State Bank of Lytle, Texas

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

The Lytle State Bank of Lytle, 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 The Lytle State Bank of Lytle, 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 The Lytle State Bank of Lytle, Texas's 67/100 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 avg77/10067/100
The Lytle State Bank of Lytle, Texas's composite health score
Tier 1 Capital Ratio (15.46%) 40/40
Return on Assets (ROA) (0.48%) 7/25
Texas Ratio (1.34%) 20/20
Efficiency Ratio (80.87%) 0/15

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

Balance sheet at a glance

Total Assets

$108M

Total balance-sheet footings

Total Deposits

$92M

Customer-funded liabilities

Net Loans

$44M

Outstanding loan book

Net Income

$519K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 14.06% 15.46% 16.86%
Basel III capital ratios - The Lytle State Bank of Lytle, Texas

Where The Lytle State Bank of Lytle, Texas ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Lytle State Bank of Lytle, Texas's score of 67/100 falls in the highlighted band.

The Lytle State Bank of Lytle, Texas: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

67 24th percentile higher than 24% 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%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. The Lytle State Bank of Lytle, 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

The Lytle State Bank of Lytle, 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). The Lytle State Bank of Lytle, Texas's $108M falls in the highlighted band.

Capital & credit buffers at The Lytle State Bank of Lytle, Texas

Tier 1 capital ratio
Well-capitalized 10%

15.46% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
15.46%
Texas Ratio
1.34%
Equity Capital
$12M

What these ratios mean →

Profitability metrics: The Lytle State Bank of Lytle, Texas

Return on Assets (ROA)
15th percentile nationally
0.48%
Return on Equity (ROE)
4.54%
Efficiency Ratio
80.87%

What these mean →

Income & expense at The Lytle State Bank of Lytle, Texas

$5M
Interest Income
$871K
Non-Interest Income
$4M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. The Lytle State Bank of Lytle, Texas reports a Texas Ratio of 1.34% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.34% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View The Lytle State Bank of Lytle, 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 ($108M here), outside Texas so the neighborhood is not state containment.

The Peoples Savings and Loan Company $108M · OH The Bank of Grain Valley $108M · MO Morganton Savings Bank, S.S.B. $107M · NC Scottsdale Community Bank $107M · AZ

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Lytle State Bank of Lytle, Texas (FDIC Cert #15501) - 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.

The Lytle State Bank of Lytle, 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%