TellerScore

ValueBank Texas is a state-chartered bank headquartered in Corpus Christi, Texas, in business for about 59 years. At the end of Q2 2026 it reported $303.6M in total assets and $263.0M in deposits, with 9 offices.

ValueBank Texas has a TellerScore of 85 out of 100 (very strong) based on Q2 2026 data — higher than 88% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 49th. Loan quality contributes the most (100/100, 0.00%); earnings contributes the least (72/100, 1.29%).

TellerScore · Q2 2026

Scorecard

Capital cushion75/100
Tier 1 leverage ratio: 12.54%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings72/100
Return on assets (annualized): 1.29%
Funding & liquidity88/100
Loans ÷ deposits and uninsured-deposit share: 62.6% · 24.1% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

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 3 points (88 → 85), mostly because the earnings component weakened by 6 points.

TellerScore
858890Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202489
Q3 202490
Q4 202487
Q1 202587
Q2 202588
Q3 202587
Q4 202586
Q1 202685
Q2 202685
Tier 1 leverage ratio
5.00%8.89%12.78%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.26%
Q3 202412.53%
Q4 202412.03%
Q1 202512.73%
Q2 202512.78%
Q3 202512.60%
Q4 202512.04%
Q1 202612.63%
Q2 202612.54%
Noncurrent loans
0.00%0.04%0.07%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.07%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
1.16%1.48%1.80%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.77%
Q3 20241.80%
Q4 20241.77%
Q1 20251.46%
Q2 20251.44%
Q3 20251.46%
Q4 20251.57%
Q1 20261.16%
Q2 20261.29%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202685$303.6M12.54%0.00%1.29%62.6%
Q1 202685$303.0M12.63%0.00%1.16%61.1%
Q4 202586$302.5M12.04%0.00%1.57%60.3%
Q3 202587$305.1M12.60%0.00%1.46%59.5%
Q2 202588$301.4M12.78%0.00%1.44%58.2%
Q1 202587$300.4M12.73%0.00%1.46%57.6%
Q4 202487$297.2M12.03%0.07%1.77%61.6%
Q3 202490$305.7M12.53%0.00%1.80%59.3%
Q2 202489$309.7M12.26%0.00%1.77%57.4%

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 ratio12.54%
70th
Total risk-based capital0.00%
24th
Problem loans0.00%
94th
Net charge-offs0.00%
58th
Return on assets1.29%
53rd
Net interest margin4.72%
86th
Efficiency ratio69.3%
32nd
Loans to deposits62.6%
80th
Uninsured deposits24.1%
49th
Loan-loss reserves1.01%
27th
Texas ratio0.0%
95th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens National Bank at BrownwoodBank Brownwood, TX74 out of 100, Strong$303.4M10.5%0.74%vs
Freedom BankBank Alamo, TX80 out of 100, Strong$301.2M12.2%0.17%vs
Llano National BankBank Llano, TX80 out of 100, Strong$301.1M13.1%0.45%vs
Sundown State BankBank Sundown, TX79 out of 100, Strong$307.7M11.6%0.84%vs
First State BankBank Graham, TX81 out of 100, Strong$308.8M10.1%0.00%vs
The Pecos County State BankBank Fort Stockton, TX73 out of 100, Strong$309.4M11.6%0.98%vs

Deposit insurance

Is my money safe at ValueBank Texas?

Yes. ValueBank Texas is an FDIC-insured institution (FDIC certificate #19700). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 24.1% of deposits ($63.5M) 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 12.54%, 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%).

Check how much of your own balance is covered

9 locations

Branches

ValueBank Texas lists 9 offices in 7 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, ValueBank Texas reported 26 home-loan applications under HMDA (LEI 254900EY91VUW4KYE555): 13 originated ($12,425,000 total), 4 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 21.1%, 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
ValueBank Texas
Former names
Texas State Bank; The International Bank of Corpus Christi; The International Bank
Type
State-chartered bank
FDIC certificate #
19700
RSSD ID
964157
Primary regulator
FDIC
Holding company
First Intl Bancshares Inc
Established
April 27, 1967
Headquarters
5262 S Staples St, Corpus Christi, TX 78411
Employees
86

Quick answers

ValueBank Texas: common questions

Is ValueBank Texas FDIC insured?

Yes. ValueBank Texas is an FDIC-insured institution (FDIC certificate #19700). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is ValueBank Texas's TellerScore?

85 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 ValueBank Texas ever failed?

There is no failure record for FDIC certificate #19700 in the FDIC failed bank list.

How many branches does ValueBank Texas have?

9 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Corpus Christi

InstitutionScoreAssetsCapitalProblem loansCompare
Corpus Christi Postal Employees Credit UnionCredit union Corpus Christi, TX96 out of 100, Very strong$17.1M20.3%0.00%vs
First State Bank of OdemBank Odem, TX95 out of 100, Very strong$212.6M14.4%0.00%vs
Members First Credit UnionCredit union Corpus Christi, TX87 out of 100, Very strong$183.2M24.0%1.04%vs
Synergy Federal Credit UnionCredit union San Antonio, TX86 out of 100, Very strong$334.2M15.8%0.29%vs
Nce Credit UnionCredit union Corpus Christi, TX85 out of 100, Very strong$5.9M20.8%0.00%vs
Rally Credit UnionCredit union Corpus Christi, TX76 out of 100, Strong$4.8B14.0%0.75%vs