Research terminalQ2 2026 · 4,313 institutions · refreshed 8/27/2026 · catalog mismatch

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Q2 2026 · 4,313 institutions · refreshed 8/27/2026

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OptimaYield board tearsheet · reported facts

TEXAS BANK&TRUST CO

FDIC #17842 · TX · period 20260630

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Total assets2,263,060-2.91% YoY

Total deposits2,031,411-2.36% YoY

Net loans and leases1,809,884-4.20% YoY

Return on assets1.16%+6.19% YoY

Return on equity11.76%+11.36% YoY

Net interest margin3.48%-2.20% YoY

Peer position

Return on assets71ststrength · n=902

Return on equity52ndin line · n=894

Net interest margin53rdin line · n=902

Equity to assets83rdstrength · n=894

Noncurrent loans43rdin line · n=887

Liquid assets36thin line · n=895

Brokered deposits53rdin line · n=890

Loans to deposits39thin line · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	2,263,060	2,031,411	1,809,884	1.16	11.76	3.48
2016-06-30	2,284,483	2,048,269	1,819,519	1.11	11.20	3.48
2016-09-30	2,279,344	2,038,736	1,869,130	1.11	11.09	3.51
2016-12-31	2,293,466	2,049,898	1,895,579	1.10	10.96	3.54
2017-03-31	2,330,941	2,080,552	1,889,327	1.09	10.56	3.55
2017-06-30	2,359,738	2,104,291	1,936,099	1.08	10.43	3.57
2017-09-30	2,422,549	2,161,912	1,938,576	1.11	10.66	3.59
2017-12-31	2,437,615	2,173,050	1,966,312	1.04	9.94	3.60
2018-03-31	2,421,360	2,150,802	1,980,158	1.25	11.78	3.66
2018-06-30	2,474,046	2,188,501	2,013,114	1.34	12.33	3.71
2018-09-30	2,534,448	2,240,859	2,075,651	1.42	12.96	3.77
2018-12-31	2,528,019	2,222,818	2,081,531	1.49	13.49	3.81
2019-03-31	2,615,258	2,301,754	2,104,018	1.47	12.66	3.86
2019-06-30	2,590,197	2,267,073	2,109,988	1.51	12.83	3.88
2019-09-30	2,635,522	2,303,236	2,086,268	1.54	12.94	3.87
2019-12-31	2,669,138	2,326,428	2,059,317	1.54	12.87	3.83
2020-03-31	2,686,223	2,336,168	2,078,650	1.45	11.59	3.63
2020-06-30	3,071,994	2,708,094	2,298,065	1.36	11.22	3.56
2020-09-30	3,116,057	2,748,040	2,363,357	1.29	10.87	3.43
2020-12-31	3,282,903	2,906,235	2,404,183	1.29	10.98	3.37
2021-03-31	3,580,389	3,197,654	2,448,418	1.18	11.04	3.08
2021-06-30	3,502,875	3,110,079	2,463,930	1.30	12.07	3.08
2021-09-30	3,632,972	3,231,945	2,510,240	1.27	11.81	3.06
2021-12-31	3,857,221	3,448,346	2,552,286	1.22	11.41	3.03
2022-03-31	4,014,246	3,607,783	2,676,568	1.13	11.44	2.95
2022-06-30	4,007,585	3,604,964	2,787,549	1.23	12.63	3.10
2022-09-30	4,061,742	3,618,746	3,038,774	1.34	13.94	3.30
2022-12-31	4,142,065	3,421,806	3,144,745	1.41	14.70	3.41
2023-03-31	4,257,070	3,471,997	3,235,167	1.30	13.62	3.31
2023-06-30	4,315,051	3,471,748	3,303,345	1.19	12.47	3.17
2023-09-30	4,367,655	3,752,424	3,367,779	1.12	11.81	3.07
2023-12-31	4,396,707	3,676,917	3,405,264	1.06	11.10	3.00
2024-03-31	4,376,810	3,832,549	3,408,743	1.03	10.39	2.61
2024-06-30	4,299,985	3,694,059	3,410,928	0.98	9.71	2.66
2024-09-30	4,458,808	3,783,129	3,458,781	0.95	9.34	2.68
2024-12-31	4,367,018	3,842,996	3,450,732	0.99	9.64	2.77
2025-03-31	4,407,157	3,870,948	3,454,145	1.04	9.65	3.07
2025-06-30	4,342,372	3,794,543	3,447,619	1.16	10.57	3.20
2025-09-30	4,382,269	3,811,428	3,425,258	1.25	11.20	3.28
2025-12-31	4,380,098	3,790,159	3,377,502	1.32	11.63	3.38
2026-03-31	4,461,113	3,888,893	3,344,027	1.44	11.87	3.66
2026-06-30	4,339,112	3,750,159	3,390,351	1.54	12.39	3.75

Structure and branch footprint

22 current branch locations across 1 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2015-07-25	1	3468665	949154
2013-12-07	1	568751	949154
2013-12-07	1	830168	949154
2012-12-31	1	730857	949154
2011-10-29	1	608367	949154
1988-07-16	1	1010855	949154

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.