The Bank and Trust, S.S.B.
Del Rio, Texas, Val Verde County
$584M in total assets, the 1,619th largest of 4,309 US banks and 145th of 352 headquartered in Texas.
- FDIC certificate
- 1184
- Established
- 1910
- Owned by
- Westex Bcorp Inc
- Primary regulator
- FED
- Website
- www.thebankandtrust.com
At a glance
Compared with 218 banks headquartered in Texas with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $584M | 76% | $332M | |
| Loans | $398M | 79% | $188M | |
| Deposits | $529M | 78% | $286M | |
| Return on assets | 1.56% | 56% | 1.45% | |
| Net interest margin | 4.55% | 72% | 4.20% | |
| Efficiency ratio | 72.3% | 79% | 61.4% | |
| Equity to assets | 8.59% | 12% | 10.94% | |
| Loans to deposits | 75% | 56% | 72% |
Growth
Total assets grew 1.3% a year over the last 5 years and 2.9% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jan 1999 | The Bank and Trust, S.S.B. Sonora, TX | $28M |
| Jan 1998 | The First State Bank Brackettville, TX | $15M |
Where they operate
10 branches in 6 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Val Verde County, TX | $329M | 43.5% | 1 of 6 |
| Tom Green County, TX | $79M | 2.4% | 11 of 15 |
| Sutton County, TX | $45M | 25.0% | 2 of 2 |
| Kinney County, TX | $37M | 100.0% | 1 of 1 |
| Kerr County, TX | $36M | 2.1% | 10 of 15 |
| Kendall County, TX | $4M | 0.2% | 13 of 14 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 3 branches since 2016 (7 to 10, +42.9%). 3 opened, 0 acquired, 0 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 7 | |||
| 2022 | Opened Kerrville | 1 | 0 | +1 | 8 |
| 2024 | Opened Boerne | 1 | 0 | +1 | 9 |
| 2026 through Q2 | Opened San Angelo | 1 | 0 | +1 | 10 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 53% | 27% | |
| Commercial real estate | 18% | 28% | |
| Business (C&I) | 10% | 14% | |
| Construction and land | 6% | 11% | |
| Farmland | 5% | 7% | |
| Consumer | 3% | 5% | |
| Multifamily | 2% | 2% | |
| Agricultural | 1% | 5% | |
| Other | 1% | 1% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 47% | 41% | |
| Noninterest-bearing | 36% | 30% | |
| Time deposits | 16% | 29% |
Brokered deposits are 0.0% of deposits (peers 1.9%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.05% | 0.32% |
| Net charge-offs, annualized | 0.02% | 0.01% |
| Reserves to loans | 1.13% | 1.23% |
| Leverage ratio | 9.96% | 11.63% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Texas
Largest competitors in Val Verde County, TX
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/s-s-b