The Bank and Trust, S.S.B. is a state-chartered bank (fed member) headquartered in Del Rio, Texas, in business for about 116 years. At the end of Q2 2026 it reported $583.8M in total assets and $529.3M in deposits, with 9 offices.
Based on its Q2 2026 filing, The Bank and Trust, S.S.B. scores 77/100, which we describe as strong. That is higher than 68% of 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 132nd. Its strongest component is problem-loan coverage (99/100; 0.3%), and its lowest is capital cushion (50/100; 9.96%).
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 (77 → 77).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 78 |
| Q3 2024 | 78 |
| Q4 2024 | 76 |
| Q1 2025 | 77 |
| Q2 2025 | 77 |
| Q3 2025 | 78 |
| Q4 2025 | 76 |
| Q1 2026 | 77 |
| Q2 2026 | 77 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.86% |
| Q3 2024 | 10.18% |
| Q4 2024 | 9.74% |
| Q1 2025 | 9.86% |
| Q2 2025 | 9.85% |
| Q3 2025 | 9.79% |
| Q4 2025 | 9.61% |
| Q1 2026 | 9.95% |
| Q2 2026 | 9.96% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.01% |
| Q3 2024 | 0.06% |
| Q4 2024 | 0.06% |
| Q1 2025 | 0.05% |
| Q2 2025 | 0.05% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.06% |
| Q1 2026 | 0.05% |
| Q2 2026 | 0.05% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.50% |
| Q3 2024 | 1.46% |
| Q4 2024 | 1.44% |
| Q1 2025 | 1.44% |
| Q2 2025 | 1.57% |
| Q3 2025 | 1.51% |
| Q4 2025 | 1.57% |
| Q1 2026 | 1.48% |
| Q2 2026 | 1.56% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 77 | $583.8M | 9.96% | 0.05% | 1.56% | 74.3% |
| Q1 2026 | 77 | $581.2M | 9.95% | 0.05% | 1.48% | 72.0% |
| Q4 2025 | 76 | $584.8M | 9.61% | 0.06% | 1.57% | 69.4% |
| Q3 2025 | 78 | $583.6M | 9.79% | 0.00% | 1.51% | 67.9% |
| Q2 2025 | 77 | $567.1M | 9.85% | 0.05% | 1.57% | 68.4% |
| Q1 2025 | 77 | $559.1M | 9.86% | 0.05% | 1.44% | 68.2% |
| Q4 2024 | 76 | $537.9M | 9.74% | 0.06% | 1.44% | 71.6% |
| Q3 2024 | 78 | $530.9M | 10.18% | 0.06% | 1.46% | 73.0% |
| Q2 2024 | 78 | $526.3M | 9.86% | 0.01% | 1.50% | 71.3% |
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 |
|---|---|---|---|---|---|
| First National Bank of HuntsvilleBank Huntsville, TX | 90 out of 100, Very strong | $584.9M | 13.3% | 0.05% | vs |
| SouthTrust Bank, N.A.Bank George West, TX | 79 out of 100, Strong | $578.8M | 12.5% | 0.27% | vs |
| The Karnes County National Bank of Karnes CityBank Karnes City, TX | 46 out of 100, Below average | $577.4M | 10.8% | 2.15% | vs |
| The First National Bank of East TexasBank Gilmer, TX | 60 out of 100, Moderate | $594.8M | 10.0% | 1.58% | vs |
| Gulf Capital BankBank Houston, TX | 71 out of 100, Strong | $596.5M | 13.8% | 0.65% | vs |
| The Falls City National BankBank Falls City, TX | 69 out of 100, Moderate | $597.1M | 16.3% | 3.22% | vs |
Deposit insurance
Is my money safe at The Bank and Trust, S.S.B.?
Yes. The Bank and Trust, S.S.B. is an FDIC-insured institution (FDIC certificate #1184). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 24.9% of deposits ($131.7M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.96%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.40% (benchmark: 10%).
9 locations
Branches
The Bank and Trust, S.S.B. lists 7 offices in 5 cities. Most locations:
- Del Rio, TX (2)
- San Angelo, TX (2)
- Brackettville, TX (1)
- Kerrville, TX (1)
- Sonora, TX (1)
HMDA 2025
Mortgage lending
In 2025, The Bank and Trust, S.S.B. reported 209 home-loan applications under HMDA (LEI 549300DNUPSQ3UW3EM09): 150 originated ($38,660,000 total), 27 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.4%, 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
- The Bank and Trust, S.S.B.
- Former names
- Del Rio Bank & Trust Company
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 1184
- RSSD ID
- 623454
- Primary regulator
- FED
- Holding company
- Westex Bcorp Inc
- Established
- January 1, 1910
- Headquarters
- 1200 Veterans Blvd, Del Rio, TX 78840
- Website
- www.thebankandtrust.com
- Employees
- 148
Quick answers
The Bank and Trust, S.S.B.: common questions
Is The Bank and Trust, S.S.B. FDIC insured?
Yes. The Bank and Trust, S.S.B. is an FDIC-insured institution (FDIC certificate #1184). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Bank and Trust, S.S.B.'s TellerScore?
77 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 The Bank and Trust, S.S.B. ever failed?
There is no failure record for FDIC certificate #1184 in the FDIC failed bank list.
How many branches does The Bank and Trust, S.S.B. have?
9 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Del Rio
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Border Federal Credit UnionCredit union Del Rio, TX | 88 out of 100, Very strong | $269.8M | 17.8% | 0.67% | vs |
| Amistad BankBank Del Rio, TX | 86 out of 100, Very strong | $57.0M | 15.3% | 0.00% | vs |
| Falcon International BankBank Laredo, TX | 85 out of 100, Very strong | $2.2B | 13.4% | 0.00% | vs |
| Texas Community BankBank Laredo, TX | 84 out of 100, Strong | $2.2B | 12.8% | 0.20% | vs |
| International Bank of CommerceBank Laredo, TX | 69 out of 100, Moderate | $10.2B | 19.0% | 2.21% | vs |
| PNC Bank, National AssociationBank Wilmington, DE | 62 out of 100, Moderate | $609.8B | 9.0% | 0.74% | vs |