TellerScore

TrustTexas Bank, SSB (FDIC certificate #28515) is based in Cuero, Texas. Its Q2 2026 call report shows $393.5M in total assets and $384.8M in deposits and 6 offices.

TrustTexas Bank, SSB has a TellerScore of 54 out of 100 (below average) based on Q2 2026 data — higher than only 10% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 317th. Funding & liquidity contributes the most (89/100, 55% loans-to-deposits, 25% uninsured); earnings contributes the least (30/100, 0.24%).

TellerScore · Q2 2026

Scorecard

Capital cushion30/100
Tier 1 leverage ratio: 8.02%
Loan quality78/100
Noncurrent loans ÷ total loans: 0.67%
Earnings30/100
Return on assets (annualized): 0.24%
Funding & liquidity89/100
Loans ÷ deposits and uninsured-deposit share: 54.9% · 25.5% uninsured
Problem-loan coverage63/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 18.62%

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 (56 → 54), mostly because the problem-loan coverage component weakened by 37 points.

TellerScore
415059Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202459
Q4 202456
Q1 202541
Q2 202556
Q3 202553
Q4 202547
Q1 202653
Q2 202654
Tier 1 leverage ratio
5.00%7.28%9.55%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.52%
Q3 20249.54%
Q4 20249.55%
Q1 20258.01%
Q2 20258.42%
Q3 20258.34%
Q4 20258.28%
Q1 20268.24%
Q2 20268.02%
Noncurrent loans
0.31%0.55%0.80%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.31%
Q3 20240.32%
Q4 20240.36%
Q1 20250.79%
Q2 20250.37%
Q3 20250.33%
Q4 20250.80%
Q1 20260.66%
Q2 20260.67%
Return on assets
-9.18%-4.47%0.24%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.73%
Q3 2024-0.77%
Q4 2024-0.72%
Q1 2025-9.18%
Q2 2025-4.58%
Q3 2025-2.97%
Q4 2025-2.21%
Q1 20260.22%
Q2 20260.24%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202654$393.5M8.02%0.67%0.24%54.9%
Q1 202653$382.9M8.24%0.66%0.22%52.5%
Q4 202547$368.5M8.28%0.80%-2.21%48.3%
Q3 202553$363.9M8.34%0.33%-2.97%48.7%
Q2 202556$355.2M8.42%0.37%-4.58%49.2%
Q1 202541$353.1M8.01%0.79%-9.18%50.1%
Q4 202456$380.3M9.55%0.36%-0.72%50.1%
Q3 202459$388.9M9.54%0.32%-0.77%50.1%
Q2 202459$391.3M9.52%0.31%-0.73%51.1%

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).

Capital ratio8.02%
2nd
Total risk-based capital18.47%
82nd
Problem loans0.67%
38th
Net charge-offs0.04%
31st
Return on assets0.24%
6th
Net interest margin2.71%
5th
Efficiency ratio88.5%
7th
Loans to deposits54.9%
88th
Uninsured deposits25.5%
44th
Loan-loss reserves0.88%
16th
Texas ratio18.6%
7th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
The First National Bank of StantonBank Stanton, TX85 out of 100, Very strong$394.9M17.5%1.08%vs
Austin Capital Bank SSBBank Austin, TX67 out of 100, Moderate$395.4M10.2%0.30%vs
Farmers State BankBank Center, TX89 out of 100, Very strong$391.5M14.4%0.59%vs
Peoples State Bank of HallettsvilleBank Hallettsville, TX73 out of 100, Strong$395.6M10.1%0.18%vs
Lakeside BankBank Rockwall, TX92 out of 100, Very strong$389.2M14.4%0.00%vs
The MINT National BankBank Kingwood, TX61 out of 100, Moderate$388.9M18.3%2.78%vs

Deposit insurance

Is my money safe at TrustTexas Bank, SSB?

Yes. TrustTexas Bank, SSB is an FDIC-insured institution (FDIC certificate #28515). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 25.5% of deposits ($98.0M) 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 8.02%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.47% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

TrustTexas Bank, SSB lists 6 offices in 5 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, TrustTexas Bank, SSB reported 54 home-loan applications under HMDA (LEI 5493008EWJQJ6SK2V234): 28 originated ($7,560,000 total), 15 denied, and 6 withdrawn or closed by the applicant. Its denial rate on decided applications was 31.3%, 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
TrustTexas Bank, SSB
Former names
Cuero State Bank, S.S.B.; Cuero Federal Savings and Loan Association
Type
SI
FDIC certificate #
28515
RSSD ID
539872
Primary regulator
FDIC
Holding company
Trusttexas Mutual Holding Co
Established
January 1, 1921
Headquarters
121 E Courthouse St, Cuero, TX 77954
Employees
54

Quick answers

TrustTexas Bank, SSB: common questions

Is TrustTexas Bank, SSB FDIC insured?

Yes. TrustTexas Bank, SSB is an FDIC-insured institution (FDIC certificate #28515). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is TrustTexas Bank, SSB's TellerScore?

54 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has TrustTexas Bank, SSB ever failed?

There is no failure record for FDIC certificate #28515 in the FDIC failed bank list.

How many branches does TrustTexas Bank, SSB have?

6 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Cuero

InstitutionScoreAssetsCapitalProblem loansCompare
Port of Houston Warehouse Federal Credit UnionCredit union Houston, TX96 out of 100, Very strong$5.4M21.6%0.52%vs
Victoria Teachers Federal Credit UnionCredit union Victoria, TX88 out of 100, Very strong$18.0M33.0%0.08%vs
NewFirst National BankBank El Campo, TX84 out of 100, Strong$934.9M12.5%0.21%vs
Cal-Com Federal Credit UnionCredit union Port Lavaca, TX83 out of 100, Strong$225.8M12.5%0.09%vs
Victoria Federal Credit UnionCredit union Victoria, TX81 out of 100, Strong$9.4M12.8%0.04%vs
Victoria City-County Employees Federal Credit UnionCredit union Victoria, TX80 out of 100, Strong$7.0M14.7%0.06%vs