Texas Bank and Trust Company
Longview, Texas, Gregg County
$4.3B in total assets, the 326th largest of 4,309 US banks and 26th of 352 headquartered in Texas.
- FDIC certificate
- 17842
- Established
- 1958
- Owned by
- Rj Pope Management Gp Llc
- Primary regulator
- FDIC
- Website
- www.texasbankandtrust.com
At a glance
Compared with 77 banks headquartered in Texas with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $4.3B | 84% | $2.2B | |
| Loans | $3.4B | 92% | $1.3B | |
| Deposits | $3.8B | 86% | $1.7B | |
| Return on assets | 1.51% | 48% | 1.54% | |
| Net interest margin | 3.75% | 38% | 3.96% | |
| Efficiency ratio | 54.7% | 38% | 57.5% | |
| Equity to assets | 12.90% | 83% | 10.59% | |
| Loans to deposits | 92% | 80% | 80% |
Growth
Total assets grew 4.4% a year over the last 5 years and 6.6% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jul 2015 | Vision Bank - Texas Richardson, TX | $185M |
| Dec 2013 | Lindale State Bank Lindale, TX | $116M |
| Dec 2013 | First State Bank Overton, TX | $42M |
| Dec 2012 | The First National Bank of Canton Canton, TX | $126M |
| Oct 2011 | First State Bank Van, TX | $43M |
| Jul 1988 | Oak Forest National Bank Longview, TX | $7M |
Where they operate
21 branches in 9 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Gregg County, TX | $1.6B | 34.6% | 1 of 23 |
| Smith County, TX | $682M | 7.6% | 3 of 28 |
| Collin County, TX | $541M | 1.4% | 14 of 70 |
| Van Zandt County, TX | $247M | 21.6% | 2 of 8 |
| Kaufman County, TX | $245M | 8.8% | 3 of 11 |
| Harrison County, TX | $235M | 20.9% | 1 of 11 |
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 loss of 3 branches since 2016 (24 to 21, −12.5%). 5 opened, 0 acquired, 8 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 24 | |||
| 2016 | Opened CantonClosed 3 in Texas | 1 | 3 | −2 | 22 |
| 2017 | Opened FriscoClosed Frisco and New London | 1 | 2 | −1 | 21 |
| 2018 | Opened Fort Worth | 1 | 0 | +1 | 22 |
| 2019 | Sold 1 branch to Commercial Bank of Texas, National Association | 0 | 1 | −1 | 21 |
| 2021 | Sold 1 branch to Commercial Bank of Texas, National AssociationOpened Flower Mound and Fort Worth, closed Fort Worth | 2 | 2 | 0 | 21 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 42% | 38% | |
| 1-4 family residential | 25% | 20% | |
| Construction and land | 11% | 13% | |
| Business (C&I) | 11% | 15% | |
| Multifamily | 9% | 3% | |
| Farmland | 1% | 3% | |
| Consumer | 1% | 2% | |
| Agricultural | 0% | 1% | |
| Other | 1% | 4% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 54% | 48% | |
| Noninterest-bearing | 30% | 26% | |
| Time deposits | 16% | 26% |
Brokered deposits are 1.0% of deposits (peers 4.2%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.61% | 0.42% |
| Net charge-offs, annualized | 0.01% | 0.04% |
| Reserves to loans | 1.22% | 1.20% |
| Leverage ratio | 13.10% | 10.79% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Texas
Largest competitors in Gregg 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/banks/texas-bank-trust-longview-tx