Headquartered in Robert Lee, Texas, Robert Lee State Bank is a state-chartered bank with $42.9M in total assets and $37.2M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1936.
Based on its Q2 2026 filing, Robert Lee State Bank scores 64/100, which we describe as moderate. That is higher than only 24% of 546 banks with under $100 million in assets. Among 349 banks headquartered in Texas, it ranks 276th. Its strongest component is capital cushion (91/100; 14.09%), and its lowest is loan quality (30/100; 2.09%).
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 2 points (66 → 64), mostly because the earnings component weakened by 14 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 73 |
| Q4 2024 | 77 |
| Q1 2025 | 73 |
| Q2 2025 | 66 |
| Q3 2025 | 57 |
| Q4 2025 | 62 |
| Q1 2026 | 57 |
| Q2 2026 | 64 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.66% |
| Q3 2024 | 14.10% |
| Q4 2024 | 14.14% |
| Q1 2025 | 12.96% |
| Q2 2025 | 13.12% |
| Q3 2025 | 14.20% |
| Q4 2025 | 14.03% |
| Q1 2026 | 12.83% |
| Q2 2026 | 14.09% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.43% |
| Q3 2024 | 1.46% |
| Q4 2024 | 0.72% |
| Q1 2025 | 0.72% |
| Q2 2025 | 1.82% |
| Q3 2025 | 3.08% |
| Q4 2025 | 2.29% |
| Q1 2026 | 2.11% |
| Q2 2026 | 2.09% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.77% |
| Q3 2024 | 0.71% |
| Q4 2024 | 0.30% |
| Q1 2025 | 0.40% |
| Q2 2025 | 0.64% |
| Q3 2025 | 0.58% |
| Q4 2025 | 0.38% |
| Q1 2026 | -0.01% |
| Q2 2026 | 0.30% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 64 | $42.9M | 14.09% | 2.09% | 0.30% | 38.9% |
| Q1 2026 | 57 | $46.6M | 12.83% | 2.11% | -0.01% | 37.6% |
| Q4 2025 | 62 | $44.2M | 14.03% | 2.29% | 0.38% | 42.4% |
| Q3 2025 | 57 | $45.1M | 14.20% | 3.08% | 0.58% | 41.3% |
| Q2 2025 | 66 | $44.2M | 13.12% | 1.82% | 0.64% | 38.9% |
| Q1 2025 | 73 | $47.6M | 12.96% | 0.72% | 0.40% | 35.5% |
| Q4 2024 | 77 | $40.0M | 14.14% | 0.72% | 0.30% | 42.5% |
| Q3 2024 | 73 | $42.2M | 14.10% | 1.46% | 0.71% | 40.7% |
| Q2 2024 | 69 | $45.4M | 12.66% | 1.43% | 0.77% | 36.4% |
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 |
|---|---|---|---|---|---|
| The Bank of San Jacinto County, Coldspring, TexasBank Coldspring, TX | 97 out of 100, Very strong | $42.0M | 17.8% | 0.00% | vs |
| Avana BankBank Abilene, TX | 79 out of 100, Strong | $39.6M | 17.5% | 0.00% | vs |
| Houston Bank & TrustBank Houston, TX | 73 out of 100, Strong | $38.5M | 93.0% | 0.00% | vs |
| The Donley County State BankBank Clarendon, TX | 66 out of 100, Moderate | $49.7M | 20.9% | 2.77% | vs |
| Lovelady State BankBank Lovelady, TX | 73 out of 100, Strong | $52.5M | 12.8% | 1.42% | vs |
| The Granger National BankBank Granger, TX | 73 out of 100, Strong | $53.5M | 13.6% | 0.11% | vs |
Deposit insurance
Is my money safe at Robert Lee State Bank?
Yes. Robert Lee State Bank is an FDIC-insured institution (FDIC certificate #15442). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 23.4% of deposits ($8.7M) 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 14.09%, 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%).
1 location
Branches
Robert Lee State Bank lists 1 office in 1 city. Most locations:
- Robert Lee, TX (1)
Identity & history
Profile
- Legal name
- Robert Lee State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 15442
- RSSD ID
- 803265
- Primary regulator
- FDIC
- Holding company
- Robert Lee Bancshares Inc
- Established
- October 23, 1936
- Headquarters
- 621 Austin St, Robert Lee, TX 76945
- Website
- www.robertleestatebank.com
- Employees
- 11
Quick answers
Robert Lee State Bank: common questions
Is Robert Lee State Bank FDIC insured?
Yes. Robert Lee State Bank is an FDIC-insured institution (FDIC certificate #15442). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Robert Lee State Bank's TellerScore?
64 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Robert Lee State Bank ever failed?
There is no failure record for FDIC certificate #15442 in the FDIC failed bank list.
How many branches does Robert Lee State Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Robert Lee
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The First National Bank of Sterling CityBank Sterling City, TX | 82 out of 100, Strong | $240.1M | 11.6% | 0.00% | vs |
| Citizens State BankBank Miles, TX | 75 out of 100, Strong | $270.1M | 10.7% | 0.44% | vs |