How Big Is Bank of South Texas?
Bank of South Texas holds $165M in total assets and $136M in deposits, making it a community bank by U.S. standards. By total assets it is the 2,872nd-largest of the 3,960 FDIC-insured banks we track. Those figures come from Bank of South Texas's latest FDIC call report (cert #26727); it is a local community institution, with $100 million to $1 billion in assets.
This page answers a common banking-safety question: How Big Is Bank of South Texas?. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
Bank of South Texas Size at a Glance
- Total assets
- $165M
- Total deposits
- $136M
- Domestic deposits
- $136M
- Size class
- community bank
- Rank by assets
- #2,872 of 3,960
- Headquarters
- Mcallen, Texas
Source: FDIC Call Report data (cert #26727). Figures reflect the latest reported quarter.
With $165M in total assets, Bank of South Texas is a local community institution, with $100 million to $1 billion in assets. Nationally, that makes it the 2,872nd-largest of the 3,960 FDIC-insured banks we track. The bank funds those assets largely with $136M in customer deposits — a typical structure for a U.S. bank, where deposits are the primary funding source for lending.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 14.47% | 96/100 |
| Nonperforming Loan Ratio | 0.95% | 81/100 |
| Liquidity Ratio | 27.26% | 89/100 |
| Return on Assets | 1.89% | 96/100 |
| Total Assets | $0.2B | |
How does Bank of South Texas compare?
With a Bank Health Score of 90/100, Bank of South Texas sits 10.0 points above the national average of 80/100 for FDIC-insured banks. Within Texas, where 321 FDIC-insured banks are headquartered, Bank of South Texas ranks above the state average of 85/100 (Grade A).
The bank's Tier 1 capital ratio of 14.47% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold. Its nonperforming loan ratio of 0.95% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Bank of South Texas's Bank Health Score improved by 3.0 points to 90/100. Tier 1 capital strengthened by 0.84 percentage points to 14.47%. Quarter-over-quarter, the score fell by 1.0 points.
Frequently Asked Questions
Bank of South Texas holds $165M in total assets and $136M in deposits, making it a community bank by U.S. standards. By total assets it is the 2,872nd-largest of the 3,960 FDIC-insured banks we track. Those figures come from Bank of South Texas's latest FDIC call report (cert #26727); it is a local community institution, with $100 million to $1 billion in assets.
Bank of South Texas ranks 2,872nd by total assets out of the 3,960 FDIC-insured banks BankHealth tracks. Its $165M in assets classify it as a community bank.
Bank of South Texas reports $165M in total assets and $136M in total deposits ($136M of it domestic). Total assets include loans, securities, and cash the bank owns; deposits are the money customers have placed with the bank. Deposits are typically a bank's largest funding source, and FDIC insurance covers each depositor up to $250,000 per ownership category.
Size and safety are different things. A bank's size (total assets) measures scale, not health — small banks and large banks can each be financially strong or weak. Bank of South Texas earns a Bank Health Score of 90/100 (grade A) on capital, loan quality, liquidity, and profitability, independent of its $165M asset base. For deposits within the $250,000 FDIC limit, size does not change your insurance protection.
Yes. Bank of South Texas (FDIC certificate #26727) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about Bank of South Texas
Bank of South Texas holds $165M in total assets and $136M in deposits, making it a community bank by U.S. standards. By total assets it is the 2,872nd-largest of the 3,960 FDIC-insured banks we track. Those figures come from Bank of South Texas's latest FDIC call report (cert #26727); it is a local community institution, with $100 million to $1 billion in assets.