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Greater State Bank
Mcallen, TX · FDIC Certificate #31762 · Chartered 01/0
Total assets
$180.24M
Total deposits
$159.25M
Total equity
$19.84M
Net loans
$141.49M
Branches (offices)
6
Net income (YTD)
$1.13M
Rank: #3,116 of 4,213 U.S. banks by assets · #264 of 346 in Texas. Assets changed 5.4% and deposits 4.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.26% |
| Return on equity | 11.79% |
| Net interest margin (YTD) | 6.08% |
| Equity to assets | 11.01% |
| Tier 1 leverage ratio | 11.05% |
| Uninsured deposits (share of deposits) | 30.4% |
| Noncurrent loans (share of loans) | 0.05% |
| Net charge-offs (share of loans) | 0.05% |
| Loans to deposits | 88.8% |
| Real estate loans (share of loans) | 81.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $115.37M | 81.5% | |
| Commercial & industrial | $25.90M | 18.3% | |
| Consumer / individual | $1.37M | 1.0% | |
| Construction & development | $21.39M | 15.1% | |
| Agricultural | $21.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $135.12M | $125.61M | $598.00K | $9.03M |
| Jun 2023 | $145.42M | $128.09M | $801.00K | $11.85M |
| Jun 2024 | $163.24M | $142.58M | $821.00K | $13.96M |
| Jun 2025 | $171.01M | $152.08M | $1.17M | $17.65M |
| Jun 2026 | $180.24M | $159.25M | $1.13M | $19.84M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $159.25M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $159.25M.
Similar-sized banks
Feliciana Bank & Trust Company ($180.40M) · State Bank Of Whittington ($180.12M)
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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