TellerScore

Headquartered in Del Rio, Texas, Amistad Bank is a state-chartered bank with $57.0M in total assets and $45.7M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1986.

Amistad Bank has a TellerScore of 86 out of 100 (very strong) based on Q2 2026 data — higher than 81% of its 546 banks with under $100 million in assets. Among 349 banks headquartered in Texas, it ranks 46th. Capital cushion contributes the most (100/100, 15.29%); earnings contributes the least (44/100, 0.61%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 15.29%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings44/100
Return on assets (annualized): 0.61%
Funding & liquidity78/100
Loans ÷ deposits and uninsured-deposit share: 80.7% · 16.3% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 5 points (91 → 86), mostly because the earnings component weakened by 41 points.

TellerScore
778694Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202477
Q3 202484
Q4 202488
Q1 202594
Q2 202591
Q3 202593
Q4 202592
Q1 202687
Q2 202686
Tier 1 leverage ratio
5.00%10.28%15.56%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202414.79%
Q3 202414.80%
Q4 202415.00%
Q1 202514.99%
Q2 202514.63%
Q3 202515.04%
Q4 202515.56%
Q1 202615.42%
Q2 202615.29%
Noncurrent loans
-1.00%0.00%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
-0.62%0.51%1.63%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.62%
Q3 20240.38%
Q4 20240.77%
Q1 20251.55%
Q2 20251.63%
Q3 20251.58%
Q4 20251.49%
Q1 20260.59%
Q2 20260.61%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202686$57.0M15.29%0.00%0.61%80.7%
Q1 202687$56.3M15.42%0.00%0.59%71.4%
Q4 202592$54.9M15.56%0.00%1.49%81.5%
Q3 202593$53.0M15.04%0.00%1.58%86.5%
Q2 202591$51.3M14.63%0.00%1.63%85.3%
Q1 202594$52.2M14.99%0.00%1.55%73.3%
Q4 202488$47.7M15.00%0.00%0.77%78.2%
Q3 202484$45.7M14.80%0.00%0.38%76.0%
Q2 202477$47.2M14.79%0.00%-0.62%70.8%

546 peers · Under $100 million in assets

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio15.29%
71st
Total risk-based capital0.00%
27th
Problem loans0.00%
84th
Net charge-offs0.00%
58th
Return on assets0.61%
31st
Net interest margin4.99%
86th
Efficiency ratio78.8%
34th
Loans to deposits80.7%
28th
Uninsured deposits16.3%
49th
Loan-loss reserves1.20%
48th
Texas ratio0.0%
85th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
The First National Bank in CooperBank Cooper, TX72 out of 100, Strong$57.3M13.1%1.44%vs
Crowell State BankBank Crowell, TX79 out of 100, Strong$57.5M11.0%0.89%vs
First State BankBank Junction, TX78 out of 100, Strong$58.2M10.6%0.37%vs
Producer Bank of TexasBank Powell, TX73 out of 100, Strong$58.7M18.6%0.58%vs
State National BankBank Groom, TX72 out of 100, Strong$55.1M12.6%0.35%vs
The First National Bank of MoodyBank Moody, TX92 out of 100, Very strong$54.2M18.3%0.00%vs

Deposit insurance

Is my money safe at Amistad Bank?

Yes. Amistad Bank is an FDIC-insured institution (FDIC certificate #26658). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 16.3% of deposits ($7.4M) are above the $250,000 FDIC insurance limit, close to the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 15.29%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Amistad Bank lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Amistad Bank
Former names
First National Bank of Big Lake; Big Lake Bank; First National Bank - Big Lake; Big Lake Bank, National Association
Type
State-chartered bank
FDIC certificate #
26658
RSSD ID
30052
Primary regulator
FDIC
Holding company
Patrons Holdings Inc
Established
April 25, 1986
Headquarters
1301 Veterans Blvd, Del Rio, TX 78840
Employees
14

Quick answers

Amistad Bank: common questions

Is Amistad Bank FDIC insured?

Yes. Amistad Bank is an FDIC-insured institution (FDIC certificate #26658). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Amistad Bank's TellerScore?

86 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Amistad Bank ever failed?

There is no failure record for FDIC certificate #26658 in the FDIC failed bank list.

How many branches does Amistad Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Del Rio

InstitutionScoreAssetsCapitalProblem loansCompare
Border Federal Credit UnionCredit union Del Rio, TX88 out of 100, Very strong$269.8M17.8%0.67%vs
Falcon International BankBank Laredo, TX85 out of 100, Very strong$2.2B13.4%0.00%vs
Texas Community BankBank Laredo, TX84 out of 100, Strong$2.2B12.8%0.20%vs
The Bank and Trust, S.S.B.Bank Del Rio, TX77 out of 100, Strong$583.8M10.0%0.05%vs
International Bank of CommerceBank Laredo, TX69 out of 100, Moderate$10.2B19.0%2.21%vs
PNC Bank, National AssociationBank Wilmington, DE62 out of 100, Moderate$609.8B9.0%0.74%vs