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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Corpus Christi, TX · FDIC certificate #19700
VALUEBANK TEXAS is an FDIC-insured institution based in Corpus Christi, TX (FDIC certificate #19700). In its Q3 2026 Call Report it reported total assets of $310M, total deposits of $270M and net loans of $166M. Its primary federal regulator is FDIC.
Plain-language readout
VALUEBANK TEXAS has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $310M in Q3 2026 and were lowest at $303M in Q1 2026.
Total deposits were highest at $270M in Q3 2026 and lowest at $263M in Q1 2026.
Over the whole period total assets rose 2.4%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $310M | $270M | $166M | 1.31% | 10.91% | 4.77% |
| Q2 2026 | $304M | $263M | $165M | 1.29% | 10.66% | 4.72% |
| Q1 2026 | $303M | $263M | $160M | 1.16% | 9.69% | 4.57% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $67.4M | $67.7M | -$324K | -0.5% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $54.0M | $57.4M | -$3.4M | -6.0% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $164.6M | $160.4M | +$4.2M | +2.6% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $5.9M | $5.9M | -$59K | -1.0% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $11.8M | $11.6M | +$160K | +1.4% |
| Total assets | $303.6M | $303.0M | +$552K | +0.2% |
| Liabilities | ||||
| Total deposits | $263.0M | $262.6M | +$345K | +0.1% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $3.6M | $3.7M | -$52K | -1.4% |
| Total liabilities | $266.6M | $266.3M | +$293K | +0.1% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $2.0M | $2.0M | $0K | 0.0% |
| Surplus | $7.0M | $7.0M | $0K | 0.0% |
| Retained earnings | $29.1M | $28.6M | +$520K | +1.8% |
| Accumulated other comprehensive income | -$1.1M | -$855K | -$261K | -30.5% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $37.0M | $36.8M | +$259K | +0.7% |
| Credit and capital | ||||
| Gross nonperforming assets | $0K | $0K | $0K | n/a |
| Adjusted nonperforming assets | $0K | $0K | $0K | n/a |
| Tangible equity plus allowance | $38.7M | $38.5M | +$190K | +0.5% |
| Texas ratio (gross) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.00% | 0.00% | 0.00 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 12.54% | 12.63% | -0.09 pts | See points |
| Construction and land loans to total capital | 92.75% | 101.69% | -8.94 pts | See points |
| Commercial real estate to total capital | 221.03% | 228.22% | -7.19 pts | See points |
| Dividend payout, year to date | 28.19% | 0.00% | +28.19 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -3.71% | -2.88% | -0.83 pts | See points |
| Liquidity | ||||
| Core deposits | $254.6M | $254.7M | -$90K | -0.0% |
| Non-core funding | $8.4M | $7.9M | +$435K | +5.5% |
| Loans to core deposits | 65.31% | 63.65% | +1.65 pts | See points |
| Loans to deposits | 63.23% | 61.73% | +1.50 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 16.11% | 15.57% | +0.53 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $8.4M | $7.9M | +$435K | +5.5% |
| Earnings | ||||
| Earnings before provision, year to date | $2.4M | $1.1M | +$1.3M | +121.9% |
| Earnings before provision, single quarter | $1.3M | $1.1M | +$240K | +21.9% |
| Provision for credit losses, year to date | $4K | $2K | +$2K | +100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 7.33% | 7.07% | +0.26 pts | See points |
| Yield on interest-bearing balances due from banks | 3.84% | 3.82% | +0.02 pts | See points |
| Total interest income to average assets | 5.33% | 5.19% | +0.14 pts | See points |
| Cost of interest-bearing transaction accounts | 1.23% | 1.24% | -0.01 pts | See points |
| Cost of savings and money market deposits | 1.33% | 1.33% | +0.00 pts | See points |
| Cost of time deposits | 2.95% | 3.00% | -0.05 pts | See points |
| Total interest expense to average assets | 0.87% | 0.90% | -0.03 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $310M | $270M | $166M | 1.31% | 10.91% | 4.77% |
| 2026-06-30 | $304M | $263M | $165M | 1.29% | 10.66% | 4.72% |
| 2026-03-31 | $303M | $263M | $160M | 1.16% | 9.69% | 4.57% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| TX | $261.3M | 0.02% | 264 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.