TellerScore

Bank19 (FDIC certificate #3335) is based in Memphis, Texas. Its Q2 2026 call report shows $147.8M in total assets and $121.8M in deposits and 3 offices across 2 states.

Based on its Q2 2026 filing, Bank19 scores 90/100, which we describe as very strong. That is higher than 95% of 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 19th. Its strongest component is capital cushion (100/100; 15.33%), and its lowest is funding & liquidity (52/100; 62% loans-to-deposits, 56% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 15.33%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings84/100
Return on assets (annualized): 1.61%
Funding & liquidity52/100
Loans ÷ deposits and uninsured-deposit share: 62.4% · 56.1% 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 rose 7 points (83 → 90), mostly because the earnings component improved by 55 points.

TellerScore
677991Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202467
Q3 202471
Q4 202471
Q1 202591
Q2 202583
Q3 202588
Q4 202591
Q1 202688
Q2 202690
Tier 1 leverage ratio
5.00%15.10%25.19%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202411.93%
Q3 202412.99%
Q4 202413.23%
Q1 202512.91%
Q2 202525.19%
Q3 202515.92%
Q4 202515.44%
Q1 202615.36%
Q2 202615.33%
Noncurrent loans
0.00%1.03%2.06%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20241.98%
Q3 20242.03%
Q4 20242.06%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.21%1.46%2.70%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20242.22%
Q3 20242.53%
Q4 20242.37%
Q1 20252.70%
Q2 20250.21%
Q3 20251.37%
Q4 20251.71%
Q1 20261.35%
Q2 20261.61%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202690$147.8M15.33%0.00%1.61%62.4%
Q1 202688$146.3M15.36%0.00%1.35%57.4%
Q4 202591$134.4M15.44%0.00%1.71%51.1%
Q3 202588$136.4M15.92%0.00%1.37%41.7%
Q2 202583$85.8M25.19%0.00%0.21%70.6%
Q1 202591$72.5M12.91%0.00%2.70%69.7%
Q4 202471$67.3M13.23%2.06%2.37%79.5%
Q3 202471$65.3M12.99%2.03%2.53%84.3%
Q2 202467$72.2M11.93%1.98%2.22%82.1%

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).

Capital ratio15.33%
88th
Total risk-based capital33.97%
97th
Problem loans0.00%
94th
Net charge-offs0.00%
68th
Return on assets1.61%
71st
Net interest margin4.66%
85th
Efficiency ratio59.7%
58th
Loans to deposits62.4%
80th
Uninsured deposits56.1%
2nd
Loan-loss reserves0.63%
6th
Texas ratio0.0%
95th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Mason BankBank Mason, TX73 out of 100, Strong$147.5M19.9%2.45%vs
Johnson City BankBank Johnson City, TX82 out of 100, Strong$146.8M12.6%0.26%vs
Carmine State BankBank Carmine, TX71 out of 100, Strong$148.8M10.0%0.50%vs
First State BankBank Shallowater, TX84 out of 100, Strong$150.8M15.9%0.23%vs
The American National Bank of Mount PleasantBank Mount Pleasant, TX88 out of 100, Very strong$144.6M12.8%0.00%vs
Agility Bank, National AssociationBank Houston, TX62 out of 100, Moderate$151.6M20.0%1.18%vs

Deposit insurance

Is my money safe at Bank19?

Yes. Bank19 is an FDIC-insured institution (FDIC certificate #3335). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 56.1% of deposits ($68.4M) 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 15.33%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 33.97% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

Bank19 lists 3 offices in 3 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Bank19
Former names
First Bank and Trust of Memphis; The First National Bank of Memphis
Type
State-chartered bank
FDIC certificate #
3335
RSSD ID
373553
Primary regulator
FDIC
Established
March 1, 1898
Headquarters
501 W Main St, Memphis, TX 79245
Employees
22

Quick answers

Bank19: common questions

Is Bank19 FDIC insured?

Yes. Bank19 is an FDIC-insured institution (FDIC certificate #3335). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bank19's TellerScore?

90 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 Bank19 ever failed?

There is no failure record for FDIC certificate #3335 in the FDIC failed bank list.

How many branches does Bank19 have?

3 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Memphis

InstitutionScoreAssetsCapitalProblem loansCompare
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs
Pilgrim BankBank Pittsburg, TX68 out of 100, Moderate$714.6M10.2%0.15%vs
Herring BankBank Amarillo, TX66 out of 100, Moderate$540.5M12.2%0.55%vs
The Donley County State BankBank Clarendon, TX66 out of 100, Moderate$49.7M20.9%2.77%vs
InterBankBank Oklahoma City, OK62 out of 100, Moderate$5.3B11.1%1.56%vs
Wellington State BankBank Wellington, TX43 out of 100, Below average$659.7M9.5%5.27%vs