Bank of South Texas
Mcallen, Texas · FDIC Cert #26727
Bank of South Texas is an FDIC-insured bank (Certificate #26727) with $165M in total assets and $136M in total deposits as of the Q2 2024 Call Report. Headquartered in Mcallen, Texas, the bank maintains a Tier 1 capital ratio of 0.00% (Critically Undercapitalized) and a nonperforming loan ratio of 0.95%. BankHealthData assigns a composite Health Grade of C (56/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Bank of South Texas (FDIC cert 26727) is a community bank — $165M in total assets, $136M in deposits, serving the Mcallen, Texas area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Tier 1 capital ratio is not disclosed in the most recent Call Report — unusual but possible for new institutions or those filing under specific regulatory exemptions. Asset quality is normal: non-performing loan ratio of 0.95% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is comfortable: 27.3% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is strong: return on assets of 1.89% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Bank of South Texas carries a composite BankHealth grade of C (56/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Bank of South Texas
- Total Assets
- $165M
- Total Deposits
- $136M
- Tier 1 Capital Ratio
- 0.00%
- Capital Status
- Critically Undercapitalized
- Nonperforming Loans
- 0.95%
- Liquidity Ratio
- 27.26%
- Return on Assets
- 1.89%
- Headquarters
- Mcallen, Texas
- FDIC Certificate
- #26727
- Health Grade
- C (56/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Bank of South Texas holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject Bank of South Texas to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
Bank of South Texas shows average financial health. While not alarming, its Health Score of 56/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Bank of South Texas Compares
Bank of South Texas’s Health Score of 56 is 18 points below the Texas state average of 74 across 321 FDIC-insured banks. Its 0.00% Tier 1 capital ratio is 14.0 points below the US banking industry average near 14%. The 0.95% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.89% is in line with or above the national ROA benchmark of ~1.1%. Among 1430 similarly-sized banks, the average Health Score is 68, meaning this bank ranks below its size cohort. Site-wide, Bank of South Texas is 14 points below the portfolio average of 70.
Frequently Asked Questions
Bank of South Texas has a Bank Health Score of C (56/100), placing it in average financial health. It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Bank of South Texas's Tier 1 capital ratio of 0.00% and nonperforming loan ratio of 0.95% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Bank of South Texas is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #26727). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Bank of South Texas holds $165M in total assets and $136M in total deposits. It is headquartered in Mcallen, Texas (FDIC Certificate #26727).
Bank of South Texas has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.95%, and the return on assets is 1.89%.
Yes. Bank of South Texas is FDIC-insured (Certificate #26727). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Bank of South Texas's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.