Headquartered in Mcallen, Texas, Bank of South Texas is a state-chartered bank with $174.5M in total assets and $141.1M in deposits as of Q2 2026. It operates 8 offices. Its charter dates back to 1986.
Based on its Q2 2026 filing, Bank of South Texas scores 86/100, which we describe as very strong. That is higher than 90% of 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 42nd. Its strongest component is capital cushion (100/100; 16.63%), and its lowest is earnings (64/100; 1.10%).
TellerScore · Q2 2026
Scorecard
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 25 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 83 |
| Q3 2024 | 81 |
| Q4 2024 | 90 |
| Q1 2025 | 90 |
| Q2 2025 | 91 |
| Q3 2025 | 89 |
| Q4 2025 | 89 |
| Q1 2026 | 85 |
| Q2 2026 | 86 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 14.47% |
| Q3 2024 | 15.27% |
| Q4 2024 | 15.80% |
| Q1 2025 | 16.27% |
| Q2 2025 | 16.84% |
| Q3 2025 | 16.95% |
| Q4 2025 | 16.88% |
| Q1 2026 | 16.57% |
| Q2 2026 | 16.63% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.95% |
| Q3 2024 | 1.38% |
| Q4 2024 | 0.30% |
| Q1 2025 | 0.28% |
| Q2 2025 | 0.27% |
| Q3 2025 | 0.50% |
| Q4 2025 | 0.38% |
| Q1 2026 | 0.18% |
| Q2 2026 | 0.23% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.50% |
| Q3 2024 | 1.52% |
| Q4 2024 | 1.50% |
| Q1 2025 | 1.59% |
| Q2 2025 | 1.72% |
| Q3 2025 | 1.74% |
| Q4 2025 | 1.66% |
| Q1 2026 | 0.86% |
| Q2 2026 | 1.10% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 86 | $174.5M | 16.63% | 0.23% | 1.10% | 88.2% |
| Q1 2026 | 85 | $170.6M | 16.57% | 0.18% | 0.86% | 84.4% |
| Q4 2025 | 89 | $167.7M | 16.88% | 0.38% | 1.66% | 84.6% |
| Q3 2025 | 89 | $160.9M | 16.95% | 0.50% | 1.74% | 84.8% |
| Q2 2025 | 91 | $160.9M | 16.84% | 0.27% | 1.72% | 84.8% |
| Q1 2025 | 90 | $159.1M | 16.27% | 0.28% | 1.59% | 82.5% |
| Q4 2024 | 90 | $160.8M | 15.80% | 0.30% | 1.50% | 74.8% |
| Q3 2024 | 81 | $163.9M | 15.27% | 1.38% | 1.52% | 73.4% |
| Q2 2024 | 83 | $164.6M | 14.47% | 0.95% | 1.50% | 76.7% |
2,650 peers · $100 million – $1 billion
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).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First State BankBank Paint Rock, TX | 78 out of 100, Strong | $174.3M | 14.1% | 1.90% | vs |
| Security Bank of TexasBank Crawford, TX | 62 out of 100, Moderate | $175.9M | 12.0% | 1.75% | vs |
| Greater State BankBank Mcallen, TX | 75 out of 100, Strong | $180.2M | 11.1% | 0.05% | vs |
| Peoples State BankBank Shepherd, TX | 68 out of 100, Moderate | $181.2M | 10.7% | 1.25% | vs |
| The Brady National BankBank Brady, TX | 75 out of 100, Strong | $167.7M | 10.0% | 0.00% | vs |
| The First National Bank of Eagle LakeBank Eagle Lake, TX | 60 out of 100, Moderate | $167.7M | 11.4% | 2.25% | vs |
Deposit insurance
Is my money safe at Bank of South Texas?
Yes. Bank of South Texas is an FDIC-insured institution (FDIC certificate #26727). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 19.7% of deposits ($27.7M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 16.63%, 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%).
8 locations
Branches
Bank of South Texas lists 7 offices in 7 cities. Most locations:
- Edinburg, TX (1)
- Hebbronville, TX (1)
- Kingsville, TX (1)
- Mcallen, TX (1)
- Mission, TX (1)
- Olmito, TX (1)
- Pharr, TX (1)
Identity & history
Profile
- Legal name
- Bank of South Texas
- Former names
- Hebbronville State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 26727
- RSSD ID
- 49858
- Primary regulator
- FDIC
- Established
- July 8, 1986
- Headquarters
- 1421 E Nolana Ave, Mcallen, TX 78504
- Website
- www.bankofsouthtexas.com
- Employees
- 63
Quick answers
Bank of South Texas: common questions
Is Bank of South Texas FDIC insured?
Yes. Bank of South Texas is an FDIC-insured institution (FDIC certificate #26727). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Bank of South Texas'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 Bank of South Texas ever failed?
There is no failure record for FDIC certificate #26727 in the FDIC failed bank list.
How many branches does Bank of South Texas have?
8 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Mcallen
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Highway District 21 Federal Credit UnionCredit union McAllen, TX | 95 out of 100, Very strong | $51.6M | 23.1% | 0.23% | vs |
| Naft Federal Credit UnionCredit union Pharr, TX | 93 out of 100, Very strong | $162.3M | 16.4% | 0.50% | vs |
| Falcon International BankBank Laredo, TX | 85 out of 100, Very strong | $2.2B | 13.4% | 0.00% | vs |
| Edinburg Teachers Credit UnionCredit union Edinburg, TX | 85 out of 100, Very strong | $98.0M | 22.6% | 0.12% | vs |
| Texas Community BankBank Laredo, TX | 84 out of 100, Strong | $2.2B | 12.8% | 0.20% | vs |
| First Community BankBank San Benito, TX | 81 out of 100, Strong | $794.4M | 10.4% | 0.01% | vs |