Total Assets
$368M
Total balance-sheet footings
FDIC Cert #28515 · Cuero, Texas · Est. 1921
TrustTexas Bank, SSB - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $368M
- Total assets
- C
- Health grade · Fair
- -2.21%
- Return on assets
- 19.6%
- Tier 1 capital
Data updated July 2026
The verdict
TrustTexas Bank, SSB earns a PlainBankData health grade of C (50/100), with well-capitalized at 19.56% Tier 1, -2.21% ROA, 95% efficiency ratio.
- #2,204
- largest of 4,313 FDIC banks by assets
- 49th
- percentile by asset size, nationally
- 19.56%
- Tier 1 ratio - above the 10% well-capitalized line
- 1st
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
How TrustTexas Bank, SSB's 50/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
TrustTexas Bank, SSB's composite health score
Tier 1 Capital Ratio (19.56%) 40/40
Return on Assets (ROA) (-2.21%) 0/25
Texas Ratio (26.39%) 10/20
Efficiency Ratio (95.31%) 0/15
50 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$362M
Customer-funded liabilities
Net Loans
$175M
Outstanding loan book
Net Income
$-8,037K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where TrustTexas Bank, SSB ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. TrustTexas Bank, SSB's score of 50/100 falls in the highlighted band.
TrustTexas Bank, SSB'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). TrustTexas Bank, SSB's $368M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
19.56% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
19.56%
Texas Ratio
26.39%
Equity Capital
$4M
Profitability metrics
Return on Assets (ROA)
1st percentile nationally
-2.21%
Return on Equity (ROE)
-878.17%
Efficiency Ratio
95.31%
What the numbers say about TrustTexas Bank, SSB
TrustTexas Bank, SSB is an FDIC-insured institution (Certificate #28515) headquartered in Cuero, Texas, established in 1921. It holds $368M in total assets - 2,204th of 4,313 FDIC-insured banks, $362M in customer deposits, and $175M in net loans. On safety, its Tier 1 capital ratio of 19.56% is above the 10% well-capitalized threshold, and its Texas Ratio of 26.39% sits in the healthy range below 50%. It earns a PlainBankData health grade of C (50/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Texas, TrustTexas Bank, SSB ranks 195th of 350 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$16M
Interest Income
$2M
Non-Interest Income
$10M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. TrustTexas Bank, SSB reports a Texas Ratio of 26.39% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
26.39% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at TrustTexas Bank, SSB
TrustTexas Bank, SSB's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-8,037K for the period, a loss that, if sustained, erodes the equity cushion.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at TrustTexas Bank, SSB up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in Texas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) TrustTexas Bank, SSB (FDIC Cert #28515) - 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.
Other banks in Texas
All Texas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is TrustTexas Bank, SSB's health grade?▼
TrustTexas Bank, SSB receives a health grade of C (50/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is TrustTexas Bank, SSB?▼
TrustTexas Bank, SSB holds $368M in total assets and $362M in deposits, ranking 2,204th of 4,313 FDIC-insured banks by asset size. It is headquartered in Cuero, Texas.
Is my money safe at TrustTexas Bank, SSB?▼
Yes, deposits at TrustTexas Bank, SSB (Certificate #28515) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is TrustTexas Bank, SSB's Tier 1 Capital Ratio?▼
TrustTexas Bank, SSB has a Tier 1 Capital Ratio of 19.56%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for TrustTexas Bank, SSB?▼
TrustTexas Bank, SSB has a Texas Ratio of 26.39%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is TrustTexas Bank, SSB?▼
TrustTexas Bank, SSB has an Efficiency Ratio of 95.31%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read TrustTexas Bank, SSB's profile as a depositor or analyst.
- TrustTexas Bank, SSB's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare TrustTexas Bank, SSB against other Texas banks before moving funds. Texas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.