Greater State Bank (FDIC certificate #31762) is based in Mcallen, Texas. Its Q2 2026 call report shows $180.2M in total assets and $159.3M in deposits and 6 offices.
Greater State Bank 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 167th. Problem-loan coverage contributes the most (99/100, 0.3%); funding & liquidity contributes the least (54/100, 89% loans-to-deposits, 30% 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
The score has been essentially flat from Q2 2025 to Q2 2026 (75 → 75).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 68 |
| Q3 2024 | 70 |
| Q4 2024 | 71 |
| Q1 2025 | 75 |
| Q2 2025 | 75 |
| Q3 2025 | 75 |
| Q4 2025 | 75 |
| Q1 2026 | 74 |
| Q2 2026 | 75 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.12% |
| Q3 2024 | 9.31% |
| Q4 2024 | 9.59% |
| Q1 2025 | 10.04% |
| Q2 2025 | 10.47% |
| Q3 2025 | 10.47% |
| Q4 2025 | 10.46% |
| Q1 2026 | 10.71% |
| Q2 2026 | 11.05% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.05% |
| Q3 2024 | 0.05% |
| Q4 2024 | 0.05% |
| Q1 2025 | 0.04% |
| Q2 2025 | 0.04% |
| Q3 2025 | 0.04% |
| Q4 2025 | 0.03% |
| Q1 2026 | 0.03% |
| Q2 2026 | 0.05% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.05% |
| Q3 2024 | 1.16% |
| Q4 2024 | 1.20% |
| Q1 2025 | 1.45% |
| Q2 2025 | 1.34% |
| Q3 2025 | 1.34% |
| Q4 2025 | 1.36% |
| Q1 2026 | 1.18% |
| Q2 2026 | 1.26% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 75 | $180.2M | 11.05% | 0.05% | 1.26% | 88.8% |
| Q1 2026 | 74 | $180.9M | 10.71% | 0.03% | 1.18% | 86.1% |
| Q4 2025 | 75 | $177.1M | 10.46% | 0.03% | 1.36% | 84.8% |
| Q3 2025 | 75 | $176.3M | 10.47% | 0.04% | 1.34% | 80.4% |
| Q2 2025 | 75 | $171.0M | 10.47% | 0.04% | 1.34% | 81.8% |
| Q1 2025 | 75 | $172.6M | 10.04% | 0.04% | 1.45% | 78.1% |
| Q4 2024 | 71 | $176.5M | 9.59% | 0.05% | 1.20% | 77.4% |
| Q3 2024 | 70 | $163.9M | 9.31% | 0.05% | 1.16% | 82.2% |
| Q2 2024 | 68 | $163.2M | 9.12% | 0.05% | 1.05% | 82.0% |
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 |
|---|---|---|---|---|---|
| Peoples State BankBank Shepherd, TX | 68 out of 100, Moderate | $181.2M | 10.7% | 1.25% | vs |
| First National Bank of Bosque CountyBank Valley Mills, TX | 82 out of 100, Strong | $182.3M | 12.8% | 0.72% | vs |
| First Security State BankBank Cranfills Gap, TX | 73 out of 100, Strong | $183.1M | 7.6% | 0.02% | vs |
| First State BankBank Spearman, TX | 53 out of 100, Below average | $184.0M | 12.6% | 4.44% | vs |
| Security Bank of TexasBank Crawford, TX | 62 out of 100, Moderate | $175.9M | 12.0% | 1.75% | vs |
| First State Bank of Ben Wheeler, TexasBank Ben Wheeler, TX | 95 out of 100, Very strong | $185.1M | 15.7% | 0.07% | vs |
Deposit insurance
Is my money safe at Greater State Bank?
Yes. Greater State Bank is an FDIC-insured institution (FDIC certificate #31762). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 30.4% of deposits ($48.4M) 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 11.05%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.70% (benchmark: 10%).
6 locations
Branches
Greater State Bank lists 6 offices in 6 cities. Most locations:
- Donna, TX (1)
- Edinburg, TX (1)
- Falfurrias, TX (1)
- Hebbronville, TX (1)
- Mcallen, TX (1)
- Weslaco, TX (1)
Identity & history
Profile
- Legal name
- Greater State Bank
- Former names
- Greater South Texas Bank; Greater South Texas Savings Bank; Greater South Texas Bank, FSB; Greater South Texas Savings Association
- Type
- State-chartered bank
- FDIC certificate #
- 31762
- RSSD ID
- 518877
- Primary regulator
- FDIC
- Holding company
- Greater State Bancshares Corp
- Established
- January 1, 1974
- Headquarters
- 3300 N 10th St, Mcallen, TX 78501
- Website
- greaterstate.bank
- Employees
- 52
Quick answers
Greater State Bank: common questions
Is Greater State Bank FDIC insured?
Yes. Greater State Bank is an FDIC-insured institution (FDIC certificate #31762). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Greater State Bank'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 Greater State Bank ever failed?
There is no failure record for FDIC certificate #31762 in the FDIC failed bank list.
How many branches does Greater State Bank have?
6 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 |
| Bank of South TexasBank Mcallen, TX | 86 out of 100, Very strong | $174.5M | 16.6% | 0.23% | 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 |