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The Bank And Trust, S.S.B.
Del Rio, TX · FDIC Certificate #1184 · Chartered 01/0
Total assets
$583.77M
Total deposits
$529.30M
Total equity
$50.15M
Net loans
$393.07M
Branches (offices)
10
Net income (YTD)
$4.54M
Rank: #1,589 of 4,213 U.S. banks by assets · #144 of 346 in Texas. Assets changed 2.9% and deposits 2.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.56% |
| Return on equity | 18.30% |
| Net interest margin (YTD) | 4.55% |
| Equity to assets | 8.59% |
| Tier 1 leverage ratio | 9.96% |
| Uninsured deposits (share of deposits) | 24.9% |
| Noncurrent loans (share of loans) | 0.05% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 74.3% |
| Real estate loans (share of loans) | 85.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $337.42M | 85.8% | |
| Commercial & industrial | $39.16M | 10.0% | |
| Consumer / individual | $13.17M | 3.4% | |
| Construction & development | $23.21M | 5.9% | |
| Agricultural | $2.67M | 0.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $570.11M | $538.33M | $4.14M | $30.52M |
| Jun 2023 | $531.15M | $493.68M | $4.10M | $34.97M |
| Jun 2024 | $526.30M | $482.38M | $3.99M | $40.00M |
| Jun 2025 | $567.08M | $518.69M | $4.37M | $44.26M |
| Jun 2026 | $583.77M | $529.30M | $4.54M | $50.15M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $529.30M | 10 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $529.30M.
Similar-sized banks
Premierbank ($583.85M) · Wnb Financial, N.A. ($583.75M)
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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