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Texas Regional Bank
Harlingen, TX · FDIC Certificate #26906 · Chartered 03/0
Total assets
$2.95B
Total deposits
$2.48B
Total equity
$271.21M
Net loans
$1.78B
Branches (offices)
36
Net income (YTD)
$4.36M
Rank: #433 of 4,213 U.S. banks by assets · #34 of 346 in Texas. Assets changed 2.2% and deposits -0.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.30% |
| Return on equity | 3.26% |
| Net interest margin (YTD) | 3.68% |
| Equity to assets | 9.19% |
| Tier 1 leverage ratio | 8.77% |
| Uninsured deposits (share of deposits) | 53.7% |
| Noncurrent loans (share of loans) | 0.59% |
| Net charge-offs (share of loans) | 0.07% |
| Loans to deposits | 71.6% |
| Real estate loans (share of loans) | 83.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.48B | 83.3% | |
| Commercial & industrial | $254.72M | 14.3% | |
| Consumer / individual | $14.39M | 0.8% | |
| Construction & development | $325.22M | 18.3% | |
| Agricultural | $10.31M | 0.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.02B | $1.82B | $7.01M | $99.08M |
| Jun 2023 | $2.64B | $2.35B | $3.03M | $193.07M |
| Jun 2024 | $2.66B | $2.17B | $5.42M | $218.64M |
| Jun 2025 | $2.89B | $2.49B | $4.18M | $237.95M |
| Jun 2026 | $2.95B | $2.48B | $4.36M | $271.21M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $2.48B | 36 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.48B.
Similar-sized banks
Tib National Association ($2.96B) · West Coast Community Bank ($2.94B)
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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