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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 28515 · TX C · 50/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-LOSS · SIZE-MID · BOOK-FULL

  • GRADE-C C (50/100)
  • BOTTOM-DECILE #4133/4307
  • PHOTO-FINISH United Bank of Phila… · PA
  • TIER1-WELL 19.6% Tier 1
  • TEXAS-HEALTHY 26.4% Texas
  • ROA-LOSS -2.21% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Texas: United Bank of Philadelphia, PA (±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 TrustTexas Bank, SSB

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

Morgan Stanley Bank,… · UT ·…100/100Enterprise Bank · PA · near50/100Patriot Bank, Nation… · CT ·…50/100Seattle Bank · WA · near50/100TrustTexas Bank, SSB · TX · …50/100United Bank of Phila… · PA ·…50/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around TrustTexas Bank, SSB · July 2026

Call Report read for TrustTexas Bank, SSB in a high-failure state

TrustTexas Bank, SSB (FDIC Cert #28515) carries a PlainBankData health grade of C at 50/100, 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 #4,133 of 4,307. Tier 1 capital prints at 19.56%, clearing the 10% well-capitalized line. The Texas Ratio is 26.39%, inside the sub-50% band analysts treat as healthy. Return on assets is -2.21%. Balance-sheet scale is $368M, 2,204th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is United Bank of Philadelphia (PA), 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 TrustTexas Bank, SSB

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

TrustTexas Bank, SSB 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 TrustTexas Bank, SSB'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 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.

0/100100/100National avg77/10050/100
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 Assets

$368M

Total balance-sheet footings

Total Deposits

$362M

Customer-funded liabilities

Net Loans

$175M

Outstanding loan book

Net Income

$-8,037K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 18.16% 19.56% 20.96%
Basel III capital ratios - TrustTexas Bank, SSB

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

50 4th percentile higher than 4% 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%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 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. TrustTexas Bank, SSB 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

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.

Capital & credit buffers at TrustTexas Bank, SSB

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

What these ratios mean →

Profitability metrics: TrustTexas Bank, SSB

Return on Assets (ROA)
1st percentile nationally
-2.21%
Return on Equity (ROE)
-878.17%
Efficiency Ratio
95.31%

What these mean →

Income & expense: loss period at TrustTexas Bank, SSB

$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.

FDIC Failed Bank List → View TrustTexas Bank, SSB 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 ($368M here), outside Texas so the neighborhood is not state containment.

Central Bank $369M · FL Farmers Trust and Savings Bank $369M · IA Cowboy Bank $369M · OK West Pointe Bank $369M · WI

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.

TrustTexas Bank, SSB 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%