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Texas Regional Bank
Harlingen, TX·FDIC Cert #26906·Charter: STATE·Est. 19870305.0·HC: TEXAS STATE BANKSHARES INC
Total Assets
$2.9B
Q4 2025
Return on Assets
0.54%
+0.09%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
82.87%
Peer avg: 58.2%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
54
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.54%+0.09
ROE
6.19%+1.01
Efficiency
82.87%-1.53
Equity/Assets
0.00%+0.00
NPL Ratio
0.16%+0.01
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
64.12%+2.37
Charge-offs
0.04%+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 | 0.5 | 0.4 | 0.4 | 0.3 | 0.2 | 0.3 | 0.4 | 0.5 |
| ROE | 6.1 | 5.0 | 4.7 | 3.7 | 2.7 | 3.5 | 5.2 | 6.2 |
| Efficiency | 81.2 | 82.2 | 82.9 | 85.1 | 90.2 | 87.4 | 84.4 | 82.9 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.3 | 0.4 | 0.4 | 0.2 | 0.2 | 0.2 | 0.1 | 0.2 |
| Charge-offs | 0.0 | 0.1 | 0.1 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 58.4 | 65.4 | 57.9 | 59.3 | 59.3 | 63.6 | 61.8 | 64.1 |
Balance Sheet
Total Assets$2.9B
Total Deposits$2.6B
Total Loans$1.7B
Total Equity$265.7M
Profitability
ROA0.54%
ROE6.19%
Efficiency Ratio82.87%
Net Income$15.3M
Risk & Asset Quality
NPL Ratio0.16%
Charge-off Rate0.04%
Loan/Deposit64.12%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans