TellerScore

Texas Bank and Trust Company (FDIC certificate #17842) is based in Longview, Texas. Its Q2 2026 call report shows $4.3B in total assets and $3.8B in deposits and 22 offices.

Based on its Q2 2026 filing, Texas Bank and Trust Company scores 75/100, which we describe as strong. That is higher than 77% of 897 banks with $1 billion – $10 billion. Among 349 banks headquartered in Texas, it ranks 156th. Its strongest component is problem-loan coverage (93/100; 3.5%), and its lowest is funding & liquidity (34/100; 90% loans-to-deposits, 47% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion81/100
Tier 1 leverage ratio: 13.10%
Loan quality80/100
Noncurrent loans ÷ total loans: 0.61%
Earnings81/100
Return on assets (annualized): 1.54%
Funding & liquidity34/100
Loans ÷ deposits and uninsured-deposit share: 90.4% · 47.3% uninsured
Problem-loan coverage93/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.52%

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 4 points (71 → 75), mostly because the capital cushion component improved by 14 points.

TellerScore
687276Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202468
Q4 202469
Q1 202571
Q2 202571
Q3 202572
Q4 202573
Q1 202676
Q2 202675
Tier 1 leverage ratio
5.00%9.05%13.10%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.87%
Q3 202410.91%
Q4 202410.99%
Q1 202511.31%
Q2 202511.66%
Q3 202511.92%
Q4 202512.29%
Q1 202612.52%
Q2 202613.10%
Noncurrent loans
0.08%0.34%0.61%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.14%
Q3 20240.17%
Q4 20240.13%
Q1 20250.08%
Q2 20250.29%
Q3 20250.28%
Q4 20250.40%
Q1 20260.29%
Q2 20260.61%
Return on assets
0.95%1.24%1.54%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.98%
Q3 20240.95%
Q4 20240.99%
Q1 20251.04%
Q2 20251.16%
Q3 20251.25%
Q4 20251.32%
Q1 20261.44%
Q2 20261.54%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$4.3B13.10%0.61%1.54%90.4%
Q1 202676$4.5B12.52%0.29%1.44%86.0%
Q4 202573$4.4B12.29%0.40%1.32%89.1%
Q3 202572$4.4B11.92%0.28%1.25%89.9%
Q2 202571$4.3B11.66%0.29%1.16%90.9%
Q1 202571$4.4B11.31%0.08%1.04%89.2%
Q4 202469$4.4B10.99%0.13%0.99%89.8%
Q3 202468$4.5B10.91%0.17%0.95%91.4%
Q2 202469$4.3B10.87%0.14%0.98%92.3%

897 peers · $1 billion – $10 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 ratio13.10%
86th
Total risk-based capital17.10%
83rd
Problem loans0.61%
42nd
Net charge-offs0.01%
69th
Return on assets1.54%
71st
Net interest margin3.75%
53rd
Efficiency ratio54.7%
63rd
Loans to deposits90.4%
39th
Uninsured deposits47.3%
13th
Loan-loss reserves1.22%
61st
Texas ratio3.5%
51st

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Inwood National BankBank Dallas, TX74 out of 100, Strong$4.3B10.8%0.37%vs
Texas Exchange BankBank Crowley, TX80 out of 100, Strong$4.5B12.4%0.00%vs
International Bank of CommerceBank Brownsville, TX64 out of 100, Moderate$4.6B14.5%9.17%vs
VeraBank, National AssociationBank Henderson, TX72 out of 100, Strong$4.6B11.0%0.96%vs
First National Bank TexasBank Killeen, TX64 out of 100, Moderate$4.6B9.1%1.23%vs
Cornerstone Capital Bank, SSBBank Houston, TX32 out of 100, Low$3.7B10.3%3.62%vs

Deposit insurance

Is my money safe at Texas Bank and Trust Company?

Yes. Texas Bank and Trust Company is an FDIC-insured institution (FDIC certificate #17842). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 47.3% of deposits ($1.8B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 13.10%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.10% (benchmark: 10%).

Check how much of your own balance is covered

22 locations

Branches

Texas Bank and Trust Company lists 20 offices in 14 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Texas Bank and Trust Company
Former names
First State Bank of Longview; Longview Bank and Trust Company
Type
State-chartered bank
FDIC certificate #
17842
RSSD ID
949154
Primary regulator
FDIC
Holding company
Rj Pope Management Gp Llc
Established
March 4, 1958
Headquarters
300 E Whaley St, Longview, TX 75601
Employees
509

Quick answers

Texas Bank and Trust Company: common questions

Is Texas Bank and Trust Company FDIC insured?

Yes. Texas Bank and Trust Company is an FDIC-insured institution (FDIC certificate #17842). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Texas Bank and Trust Company'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 Texas Bank and Trust Company ever failed?

There is no failure record for FDIC certificate #17842 in the FDIC failed bank list.

How many branches does Texas Bank and Trust Company have?

22 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Longview

InstitutionScoreAssetsCapitalProblem loansCompare
Sweetex Credit UnionCredit union Longview, TX94 out of 100, Very strong$9.4M39.4%0.00%vs
Eastman Credit UnionCredit union Kingsport, TN91 out of 100, Very strong$10.2B14.9%0.31%vs
East Texas Professional Credit UnionCredit union Longview, TX90 out of 100, Very strong$1.4B19.4%0.41%vs
Austin Bank, Texas National AssociationBank Jacksonville, TX88 out of 100, Very strong$3.3B15.1%0.60%vs
Community BankBank Longview, TX82 out of 100, Strong$315.5M11.9%0.00%vs
Marshall T & P Employees Federal Credit UnionCredit union Marshall, TX81 out of 100, Strong$17.4M17.9%1.04%vs