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Producer Bank Of Texas
Powell, TX · FDIC Certificate #18302 · Chartered 01/0
Total assets
$58.75M
Total deposits
$43.26M
Total equity
$13.81M
Net loans
$25.24M
Branches (offices)
2
Net income (YTD)
-$232.00K
Rank: #3,970 of 4,213 U.S. banks by assets · #331 of 346 in Texas. Assets changed 21.6% and deposits 35.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -0.82% |
| Return on equity | -3.34% |
| Net interest margin (YTD) | 4.19% |
| Equity to assets | 23.50% |
| Tier 1 leverage ratio | 18.61% |
| Uninsured deposits (share of deposits) | 26.0% |
| Noncurrent loans (share of loans) | 0.58% |
| Net charge-offs (share of loans) | -0.69% |
| Loans to deposits | 58.3% |
| Real estate loans (share of loans) | 52.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $13.21M | 52.3% | |
| Commercial & industrial | $9.10M | 36.1% | |
| Consumer / individual | $2.57M | 10.2% | |
| Construction & development | $1.93M | 7.7% | |
| Agricultural | $874.00K | 3.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $35.96M | $31.97M | $33.00K | $2.84M |
| Jun 2023 | $35.20M | $30.88M | $8.00K | $3.07M |
| Jun 2024 | $32.48M | $28.06M | $68.00K | $3.38M |
| Jun 2025 | $48.32M | $32.00M | -$172.00K | $14.31M |
| Jun 2026 | $58.75M | $43.26M | -$232.00K | $13.81M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $43.26M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $43.26M.
Similar-sized banks
Gn Bank ($59.78M) · Blue Grass Federal Savings And Loan Association ($58.51M)
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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