Bank of Texas is a state-chartered bank (fed member) headquartered in Midland, Texas, in business for about 64 years. At the end of Q2 2026 it reported $543.6M in total assets and $451.2M in deposits, with 3 offices.
Bank of Texas has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 61% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 163rd. Problem-loan coverage contributes the most (95/100, 2.5%); funding & liquidity contributes the least (25/100, 85% loans-to-deposits, 70% uninsured).
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 rose 11 points (64 → 75), mostly because the loan quality component improved by 29 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 77 |
| Q3 2024 | 70 |
| Q4 2024 | 62 |
| Q1 2025 | 64 |
| Q2 2025 | 64 |
| Q3 2025 | 79 |
| Q4 2025 | 79 |
| Q1 2026 | 76 |
| Q2 2026 | 75 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.16% |
| Q3 2024 | 10.01% |
| Q4 2024 | 10.94% |
| Q1 2025 | 11.31% |
| Q2 2025 | 11.63% |
| Q3 2025 | 12.48% |
| Q4 2025 | 12.59% |
| Q1 2026 | 13.04% |
| Q2 2026 | 13.01% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.43% |
| Q3 2024 | 0.14% |
| Q4 2024 | 1.19% |
| Q1 2025 | 1.27% |
| Q2 2025 | 1.34% |
| Q3 2025 | 0.13% |
| Q4 2025 | 0.09% |
| Q1 2026 | 0.48% |
| Q2 2026 | 0.48% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.71% |
| Q3 2024 | 2.68% |
| Q4 2024 | 2.61% |
| Q1 2025 | 1.97% |
| Q2 2025 | 2.02% |
| Q3 2025 | 2.13% |
| Q4 2025 | 2.08% |
| Q1 2026 | 1.78% |
| Q2 2026 | 1.65% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 75 | $543.6M | 13.01% | 0.48% | 1.65% | 85.4% |
| Q1 2026 | 76 | $543.1M | 13.04% | 0.48% | 1.78% | 90.7% |
| Q4 2025 | 79 | $526.0M | 12.59% | 0.09% | 2.08% | 95.5% |
| Q3 2025 | 79 | $540.3M | 12.48% | 0.13% | 2.13% | 89.9% |
| Q2 2025 | 64 | $523.5M | 11.63% | 1.34% | 2.02% | 95.8% |
| Q1 2025 | 64 | $550.6M | 11.31% | 1.27% | 1.97% | 93.3% |
| Q4 2024 | 62 | $525.5M | 10.94% | 1.19% | 2.61% | 105.0% |
| Q3 2024 | 70 | $535.8M | 10.01% | 0.14% | 2.68% | 97.9% |
| Q2 2024 | 77 | $548.2M | 13.16% | 0.43% | 2.71% | 98.2% |
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 |
|---|---|---|---|---|---|
| Austin County State BankBank Bellville, TX | 75 out of 100, Strong | $543.0M | 9.5% | 0.37% | vs |
| Herring BankBank Amarillo, TX | 66 out of 100, Moderate | $540.5M | 12.2% | 0.55% | vs |
| First State Bank and Trust CompanyBank Carthage, TX | 65 out of 100, Moderate | $547.4M | 14.0% | 1.96% | vs |
| Fayette Savings Bank, SSBBank La Grange, TX | 81 out of 100, Strong | $551.8M | 11.0% | 0.01% | vs |
| Texas Traditions BankBank Katy, TX | 69 out of 100, Moderate | $555.9M | 9.4% | 0.00% | vs |
| First Commercial Bank, National AssociationBank Seguin, TX | 73 out of 100, Strong | $565.9M | 10.3% | 0.45% | vs |
Deposit insurance
Is my money safe at Bank of Texas?
Yes. Bank of Texas is an FDIC-insured institution (FDIC certificate #18576). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 70.3% of deposits ($317.3M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 13.01%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.33% (benchmark: 10%).
3 locations
Branches
Bank of Texas lists 3 offices in 3 cities. Most locations:
- El Paso, TX (1)
- Jayton, TX (1)
- Midland, TX (1)
Identity & history
Profile
- Legal name
- Bank of Texas
- Former names
- Kent County State Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 18576
- RSSD ID
- 925653
- Primary regulator
- FED
- Holding company
- Tall City Bancshares Inc
- Established
- August 4, 1962
- Headquarters
- 306 W Wall St, Midland, TX 79701
- Website
- www.bankoftexasonline.com
- Employees
- 26
Quick answers
Bank of Texas: common questions
Is Bank of Texas FDIC insured?
Yes. Bank of Texas is an FDIC-insured institution (FDIC certificate #18576). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Bank of Texas's TellerScore?
75 out of 100 (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 Texas ever failed?
There is no failure record for FDIC certificate #18576 in the FDIC failed bank list.
How many branches does Bank of Texas have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Midland
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Citizens Federal Credit UnionCredit union Big Spring, TX | 90 out of 100, Very strong | $201.9M | 14.6% | 0.13% | vs |
| Odessa Employees Credit UnionCredit union Odessa, TX | 89 out of 100, Very strong | $21.0M | 16.1% | 0.00% | vs |
| The First National Bank of StantonBank Stanton, TX | 85 out of 100, Very strong | $394.9M | 17.5% | 1.08% | vs |
| Midland Municipal Employees Credit UnionCredit union Midland, TX | 85 out of 100, Very strong | $17.1M | 14.9% | 0.44% | vs |
| Complex Community Federal Credit UnionCredit union Odessa, TX | 85 out of 100, Very strong | $818.2M | 13.8% | 0.59% | vs |
| Southwest Heritage Credit UnionCredit union Odessa, TX | 83 out of 100, Strong | $260.9M | 13.3% | 0.20% | vs |