← Back to Institutions
Texas Bank and Trust Company
Longview, TX·FDIC Cert #17842·Charter: STATE·Est. 19580304.0·HC: RJ POPE MANAGEMENT GP LLC
Total Assets
$4.4B
Q4 2025
Return on Assets
1.32%
+0.07%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
57.81%
Peer avg: 57.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
58
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.32%+0.07
ROE
11.63%+0.43
Efficiency
57.81%-0.77
Equity/Assets
0.00%+0.00
NPL Ratio
0.40%+0.12
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
89.11%-0.76
Charge-offs
0.05%-0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.2 | 1.3 | 1.3 |
| ROE | 10.4 | 9.7 | 9.3 | 9.6 | 9.7 | 10.6 | 11.2 | 11.6 |
| Efficiency | 64.8 | 65.5 | 65.9 | 64.8 | 63.2 | 60.3 | 58.6 | 57.8 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.3 | 0.1 | 0.2 | 0.1 | 0.1 | 0.3 | 0.3 | 0.4 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 | 0.1 | 0.1 | 0.1 |
| Loan/Deposit | 88.9 | 92.3 | 91.4 | 89.8 | 89.2 | 90.9 | 89.9 | 89.1 |
Balance Sheet
Total Assets$4.4B
Total Deposits$3.8B
Total Loans$3.4B
Total Equity$532.9M
Profitability
ROA1.32%
ROE11.63%
Efficiency Ratio57.81%
Net Income$57.9M
Risk & Asset Quality
NPL Ratio0.40%
Charge-off Rate0.05%
Loan/Deposit89.11%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans