Headquartered in Powell, Texas, Producer Bank of Texas is a state-chartered bank with $58.7M in total assets and $43.3M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1910.
Based on its Q2 2026 filing, Producer Bank of Texas scores 73/100, which we describe as strong. That is higher than only 48% of 546 banks with under $100 million in assets. Among 349 banks headquartered in Texas, it ranks 197th. Its strongest component is capital cushion (100/100; 18.61%), and its lowest is earnings (0/100; -0.82%).
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 20 points (53 → 73), mostly because the loan quality component improved by 81 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 59 |
| Q3 2024 | 50 |
| Q4 2024 | 52 |
| Q1 2025 | 52 |
| Q2 2025 | 53 |
| Q3 2025 | 53 |
| Q4 2025 | 72 |
| Q1 2026 | 73 |
| Q2 2026 | 73 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.33% |
| Q3 2024 | 9.39% |
| Q4 2024 | 24.85% |
| Q1 2025 | 24.19% |
| Q2 2025 | 25.70% |
| Q3 2025 | 24.68% |
| Q4 2025 | 21.42% |
| Q1 2026 | 20.22% |
| Q2 2026 | 18.61% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.40% |
| Q3 2024 | 1.38% |
| Q4 2024 | 7.67% |
| Q1 2025 | 7.61% |
| Q2 2025 | 5.25% |
| Q3 2025 | 4.29% |
| Q4 2025 | 0.83% |
| Q1 2026 | 0.67% |
| Q2 2026 | 0.58% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.41% |
| Q3 2024 | -1.63% |
| Q4 2024 | -0.98% |
| Q1 2025 | -0.58% |
| Q2 2025 | -0.70% |
| Q3 2025 | -1.39% |
| Q4 2025 | -0.84% |
| Q1 2026 | -1.32% |
| Q2 2026 | -0.82% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 73 | $58.7M | 18.61% | 0.58% | -0.82% | 58.3% |
| Q1 2026 | 73 | $57.8M | 20.22% | 0.67% | -1.32% | 54.3% |
| Q4 2025 | 72 | $53.5M | 21.42% | 0.83% | -0.84% | 51.2% |
| Q3 2025 | 53 | $49.3M | 24.68% | 4.29% | -1.39% | 55.2% |
| Q2 2025 | 53 | $48.3M | 25.70% | 5.25% | -0.70% | 48.6% |
| Q1 2025 | 52 | $50.8M | 24.19% | 7.61% | -0.58% | 42.2% |
| Q4 2024 | 52 | $48.8M | 24.85% | 7.67% | -0.98% | 46.0% |
| Q3 2024 | 50 | $31.9M | 9.39% | 1.38% | -1.63% | 61.8% |
| Q2 2024 | 59 | $32.5M | 10.33% | 1.40% | 0.41% | 64.8% |
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).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First State BankBank Junction, TX | 78 out of 100, Strong | $58.2M | 10.6% | 0.37% | vs |
| Crowell State BankBank Crowell, TX | 79 out of 100, Strong | $57.5M | 11.0% | 0.89% | vs |
| The First National Bank in CooperBank Cooper, TX | 72 out of 100, Strong | $57.3M | 13.1% | 1.44% | vs |
| Amistad BankBank Del Rio, TX | 86 out of 100, Very strong | $57.0M | 15.3% | 0.00% | vs |
| Commerce Bank TexasBank Stockdale, TX | 51 out of 100, Below average | $60.6M | 12.7% | 2.64% | vs |
| City National BankBank Corsicana, TX | 54 out of 100, Below average | $62.0M | 13.5% | 2.65% | vs |
Deposit insurance
Is my money safe at Producer Bank of Texas?
Yes. Producer Bank of Texas is an FDIC-insured institution (FDIC certificate #18302). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 26.0% of deposits ($11.3M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 18.61%, 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%).
2 locations
Branches
Producer Bank of Texas lists 2 offices in 2 cities. Most locations:
- Beaumont, TX (1)
- Powell, TX (1)
Identity & history
Profile
- Legal name
- Producer Bank of Texas
- Former names
- Powell State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 18302
- RSSD ID
- 856869
- Primary regulator
- FDIC
- Holding company
- Producer Bcorp Inc
- Established
- January 1, 1910
- Headquarters
- 100 Carr St, Powell, TX 75153
- Website
- producer.bank
- Employees
- 14
Quick answers
Producer Bank of Texas: common questions
Is Producer Bank of Texas FDIC insured?
Yes. Producer Bank of Texas is an FDIC-insured institution (FDIC certificate #18302). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Producer Bank of Texas's TellerScore?
73 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 Producer Bank of Texas ever failed?
There is no failure record for FDIC certificate #18302 in the FDIC failed bank list.
How many branches does Producer Bank of Texas have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Powell
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Centex Citizens Credit UnionCredit union Mexia, TX | 89 out of 100, Very strong | $118.9M | 17.2% | 0.44% | vs |
| Community National Bank & Trust of TexasBank Corsicana, TX | 76 out of 100, Strong | $1.7B | 10.6% | 0.09% | vs |
| Harmony BankBank Dallas, TX | 75 out of 100, Strong | $855.3M | 11.9% | 0.02% | vs |
| Southside BankBank Tyler, TX | 75 out of 100, Strong | $8.8B | 11.4% | 0.19% | vs |
| First State BankBank Athens, TX | 74 out of 100, Strong | $761.7M | 11.4% | 0.80% | vs |
| VeraBank, National AssociationBank Henderson, TX | 72 out of 100, Strong | $4.6B | 11.0% | 0.96% | vs |