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Bank Of Texas
Midland, TX · FDIC Certificate #18576 · Chartered 08/0
Total assets
$543.56M
Total deposits
$451.20M
Total equity
$70.18M
Net loans
$385.46M
Branches (offices)
3
Net income (YTD)
$4.44M
Rank: #1,687 of 4,213 U.S. banks by assets · #153 of 346 in Texas. Assets changed 3.8% and deposits 9.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.65% |
| Return on equity | 12.86% |
| Net interest margin (YTD) | 3.62% |
| Equity to assets | 12.91% |
| Tier 1 leverage ratio | 13.01% |
| Uninsured deposits (share of deposits) | 70.3% |
| Noncurrent loans (share of loans) | 0.48% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 85.4% |
| Real estate loans (share of loans) | 62.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $239.17M | 62.0% | |
| Commercial & industrial | $147.53M | 38.3% | |
| Consumer / individual | $742.00K | 0.2% | |
| Construction & development | $47.31M | 12.3% | |
| Agricultural | $3.71M | 1.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $571.70M | $446.82M | $5.24M | $64.65M |
| Jun 2023 | $571.32M | $452.25M | $11.49M | $68.15M |
| Jun 2024 | $548.16M | $430.83M | $7.26M | $71.03M |
| Jun 2025 | $523.50M | $411.52M | $5.39M | $63.08M |
| Jun 2026 | $543.56M | $451.20M | $4.44M | $70.18M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $451.20M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $451.20M.
Similar-sized banks
The Friendship State Bank ($543.78M) · Eaton Community Bank ($543.45M)
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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