Texas State Bank (FDIC certificate #18698) is based in San Angelo, Texas. Its Q2 2026 call report shows $425.5M in total assets and $354.2M in deposits and 4 offices.
Based on its Q2 2026 filing, Texas State Bank scores 91/100, which we describe as very strong. That is higher than 96% of 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 14th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is funding & liquidity (69/100; 79% loans-to-deposits, 27% 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 (92 → 91).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 88 |
| Q3 2024 | 90 |
| Q4 2024 | 88 |
| Q1 2025 | 89 |
| Q2 2025 | 92 |
| Q3 2025 | 93 |
| Q4 2025 | 89 |
| Q1 2026 | 91 |
| Q2 2026 | 91 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.16% |
| Q3 2024 | 13.15% |
| Q4 2024 | 12.51% |
| Q1 2025 | 12.58% |
| Q2 2025 | 13.75% |
| Q3 2025 | 14.10% |
| Q4 2025 | 12.94% |
| Q1 2026 | 13.45% |
| Q2 2026 | 13.58% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.04% |
| Q3 2024 | 2.16% |
| Q4 2024 | 2.21% |
| Q1 2025 | 2.08% |
| Q2 2025 | 2.27% |
| Q3 2025 | 2.34% |
| Q4 2025 | 2.39% |
| Q1 2026 | 2.36% |
| Q2 2026 | 2.54% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 91 | $425.5M | 13.58% | 0.00% | 2.54% | 78.6% |
| Q1 2026 | 91 | $423.3M | 13.45% | 0.00% | 2.36% | 74.7% |
| Q4 2025 | 89 | $430.3M | 12.94% | 0.00% | 2.39% | 74.4% |
| Q3 2025 | 93 | $425.8M | 14.10% | 0.00% | 2.34% | 75.6% |
| Q2 2025 | 92 | $416.2M | 13.75% | 0.00% | 2.27% | 75.1% |
| Q1 2025 | 89 | $416.5M | 12.58% | 0.00% | 2.08% | 73.5% |
| Q4 2024 | 88 | $423.4M | 12.51% | 0.00% | 2.21% | 74.0% |
| Q3 2024 | 90 | $407.6M | 13.15% | 0.00% | 2.16% | 74.4% |
| Q2 2024 | 88 | $402.1M | 12.16% | 0.00% | 2.04% | 71.9% |
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 |
|---|---|---|---|---|---|
| The Commercial National Bank of BradyBank Brady, TX | 78 out of 100, Strong | $425.4M | 10.2% | 0.00% | vs |
| The Lamesa National BankBank Lamesa, TX | 73 out of 100, Strong | $426.8M | 12.0% | 1.74% | vs |
| First Lockhart BankBank Lockhart, TX | 63 out of 100, Moderate | $415.9M | 9.3% | 0.29% | vs |
| Texas Champion BankBank Corpus Christi, TX | 64 out of 100, Moderate | $436.6M | 10.5% | 0.39% | vs |
| Broadstreet Bank S S BBank Mineola, TX | 70 out of 100, Strong | $442.8M | 12.1% | 0.44% | vs |
| West Texas State BankBank Snyder, TX | 60 out of 100, Moderate | $443.7M | 10.5% | 1.77% | vs |
Deposit insurance
Is my money safe at Texas State Bank?
Yes. Texas State Bank is an FDIC-insured institution (FDIC certificate #18698). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 26.7% of deposits ($94.6M) 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 13.58%, 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%).
4 locations
Branches
Texas State Bank lists 3 offices in 1 city. Most locations:
- San Angelo, TX (3)
HMDA 2025
Mortgage lending
In 2025, Texas State Bank reported 68 home-loan applications under HMDA (LEI 549300JF52QHLC8BF081): 64 originated ($16,960,000 total), 1 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.5%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Texas State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 18698
- RSSD ID
- 748964
- Primary regulator
- FDIC
- Holding company
- Texas Bcorp Inc
- Established
- February 16, 1963
- Headquarters
- 2201 Sherwood Way, San Angelo, TX 76901
- Website
- txbank.com
- Employees
- 71
Quick answers
Texas State Bank: common questions
Is Texas State Bank FDIC insured?
Yes. Texas State Bank is an FDIC-insured institution (FDIC certificate #18698). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Texas State Bank's TellerScore?
91 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 Texas State Bank ever failed?
There is no failure record for FDIC certificate #18698 in the FDIC failed bank list.
How many branches does Texas State Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near San Angelo
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The First National Bank of MertzonBank Mertzon, TX | 90 out of 100, Very strong | $500.3M | 15.7% | 0.00% | vs |
| San Angelo Federal Credit UnionCredit union San Angelo, TX | 84 out of 100, Strong | $40.6M | 12.9% | 0.73% | vs |
| The First National Bank of BallingerBank Ballinger, TX | 81 out of 100, Strong | $275.3M | 10.5% | 0.03% | vs |
| Sundown State BankBank Sundown, TX | 79 out of 100, Strong | $307.7M | 11.6% | 0.84% | vs |
| Concho Valley Credit UnionCredit union San Angelo, TX | 78 out of 100, Strong | $25.7M | 11.4% | 0.14% | vs |
| Coleman County State BankBank Coleman, TX | 78 out of 100, Strong | $295.1M | 8.6% | 0.05% | vs |