Texas Regional Bank
Harlingen, Texas, Cameron County
$2.9B in total assets, the 445th largest of 4,309 US banks and 35th of 352 headquartered in Texas.
- FDIC certificate
- 26906
- Established
- 1987
- Owned by
- Texas State Bankshares Inc
- Primary regulator
- FED
- Website
- www.trb.bank
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 | $2.9B | 73% | $2.2B | |
| Loans | $1.8B | 68% | $1.3B | |
| Deposits | $2.5B | 74% | $1.7B | |
| Return on assets | 0.53% | 6% | 1.54% | |
| Net interest margin | 3.68% | 32% | 3.96% | |
| Efficiency ratio | 87.0% | 96% | 57.5% | |
| Equity to assets | 9.19% | 26% | 10.77% | |
| Loans to deposits | 72% | 32% | 80% |
Growth
Total assets grew 11.5% a year over the last 5 years and 17.5% a year over 10 years, including 2 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jul 2022 | AccessBank Texas Denton, TX | $549M |
| Feb 2017 | The Blanco National Bank Blanco, TX | $185M |
| Nov 2013 | Border Capital Bank, National Association Mcallen, TX | $170M |
Where they operate
36 branches in 18 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Cameron County, TX | $761M | 11.5% | 3 of 19 |
| Hidalgo County, TX | $746M | 4.7% | 11 of 20 |
| Denton County, TX | $244M | 0.1% | 15 of 42 |
| Hays County, TX | $173M | 5.1% | 6 of 22 |
| Blanco County, TX | $138M | 35.9% | 1 of 4 |
| Comal County, TX | $72M | 2.1% | 12 of 20 |
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 27 branches since 2016 (9 to 36, +300.0%). 20 opened, 8 acquired, 1 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 9 | |||
| 2017 | Acquired The Blanco National BankOpened Harlingen and San Marcos | 6 | 0 | +6 | 15 |
| 2018 | Opened 4 in Texas | 4 | 0 | +4 | 19 |
| 2020 | Opened 3 in TexasClosed Austin | 3 | 1 | +2 | 21 |
| 2021 | Opened Houston | 1 | 0 | +1 | 22 |
| 2022 | Acquired AccessBank Texas | 4 | 0 | +4 | 26 |
| 2023 | Opened 4 in Texas | 4 | 0 | +4 | 30 |
| 2024 | Opened 3 in Texas | 3 | 0 | +3 | 33 |
| 2025 | Opened Dallas and Magnolia | 2 | 0 | +2 | 35 |
| 2026 through Q2 | Opened Boerne | 1 | 0 | +1 | 36 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 38% | 38% | |
| Construction and land | 18% | 13% | |
| 1-4 family residential | 16% | 20% | |
| Business (C&I) | 14% | 15% | |
| Multifamily | 7% | 3% | |
| Farmland | 3% | 3% | |
| Consumer | 1% | 2% | |
| Agricultural | 1% | 1% | |
| Other | 2% | 4% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 46% | 48% | |
| Noninterest-bearing | 31% | 26% | |
| Time deposits | 23% | 26% |
Brokered deposits are 0.6% of deposits (peers 4.2%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.59% | 0.42% |
| Net charge-offs, annualized | 0.07% | 0.04% |
| Reserves to loans | 1.15% | 1.20% |
| Leverage ratio | 8.77% | 10.79% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Texas
Largest competitors in Cameron 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/texas-regional