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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southwest · Texas, the state note

Texas Bank & Trust Co.

Longview, Texas · $4.34B in assets · beside the 11 other Texas banks between $3B and $10B

The filing

91.5%
Loans / deposits
11th of 12
12.9%
Equity / assets
2nd of 12
-1.7%
Loans, year over year
11th of 12, largest first

Texas Bank & Trust Co. is the seventh largest of the 12 Texas banks nearest its size between $3B and $10B, with $4.34B in assets at 30 June 2026. Loans are 91.5% of deposits, 11th of 12 against a median of 74.9%, and equity is 12.9% of assets, 2nd of 12. Loans grew -1.7% in the year, 11th of 12, and deposits fell 1.2%; the cohort's median loan growth is +3.4%.

Noncurrent loans are 0.61% of the book, 6th of 12 against a median of 0.74%; 0.70% is 30 to 89 days past due, and the allowance covers them 2.0 times. Commercial real estate is 47.9% of loans, 8th of 12 against a median of 40.3%, and 270% of capital, below the 300% screen, with construction at 61% against the 100% screen.

Return on assets is 1.56%, 7th of 12 against a median of 1.58%, on an efficiency ratio of 54.7%, 5th of 12. Five years ago it was 1.27%. The question is which of these lines moves first over the next four quarters, and against which peer.

Loans as a share of depositsTX banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 74.9% TE Texas Exchange Bank 26.2% IB International Bank of Com 40.2% FN First National Bank Texas 55.8% LS Lone Star National Bank 61.5% IN Inwood National Bank 67.7% VN Verabank National Association 69.6% CB City Bank 80.1% WB Weststar Bank 88.6% VB Vantage Bank Texas 88.9% AB Austin Bank Texas N.A. 89.3% TB Texas Bank & Trust Co. 91.5% CC Cornerstone Capital Bank SSB 110.0%
Loans, year over yearTX banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +3.4% CC Cornerstone Capital Bank SSB +67.5% CB City Bank +21.4% VB Vantage Bank Texas +14.7% WB Weststar Bank +9.5% FN First National Bank Texas +6.9% LS Lone Star National Bank +4.0% IB International Bank of Com +2.7% IN Inwood National Bank +1.7% AB Austin Bank Texas N.A. +0.7% VN Verabank National Association -1.5% TB Texas Bank & Trust Co. -1.7% TE Texas Exchange Bank -23.7%

SBA 7(a), FY2008 to FY2026

Texas Bank & Trust Co. is the 323rd largest 7(a) lender into Texas of 706, with $6M across 10 loans, 0.0% of everything approved in the state (Live Oak Banking Company leads with $2.53B). 3 of its 3 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Texas, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Smith, TX$3M26th of 1011.2%quiet FY2011
Gregg, TX$2M25th of 671.3%quiet FY2013
Rusk, TX$175K19th of 230.5%quiet FY2008
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Other services3$2M41.9%0.01%791st of 2,248
Construction2$2M29.3%0.01%976th of 2,063
Accommodation & food services2$994K16.8%0.00%1594th of 2,596
Retail trade2$575K9.7%0.00%1806th of 2,589
Health care & social assistance1$135K2.3%0.00%1915th of 2,172
7(a) lenders into Texas, share of approvals since FY2008706 lenders on record; the ten largest and Texas Bank
LO Live Oak Banking Company 5.8% $2.53B · 1,820 loans TH The Huntington National Bank 5.2% $2.28B · 3,585 loans WF Wells Fargo Bank National Associa… 4.6% $2.02B · 7,244 loans PB PNC Bank, National Association 3.9% $1.70B · 8,154 loans JC JPMorgan Chase Bank, National Ass… 3.4% $1.49B · 7,339 loans WB Wallis Bank 3.2% $1.41B · 1,134 loans CB Celtic Bank Corporation 2.0% $879M · 1,359 loans Bo Bank of Hope 1.7% $741M · 1,359 loans RL Readycap Lending, LLC 1.7% $728M · 1,216 loans EB Enterprise Bank & Trust 1.6% $717M · 569 loans TB Texas Bank and Trust Company 0.0% $6M · 10 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
Texas BankRankCohort median
Total CRE against capital, the 300% screen270%9th of 12207%
Construction against capital, the 100% screen61%8th of 1258%
Construction and land development, share of loans10.9%5th of 1212.0%
Non-owner-occupied nonfarm nonresidential, share of loans28.5%9th of 1222.8%
Total CRE, the guidance definition, share of loans47.9%8th of 1240.3%
CRE growth over 36 months, the third prong-7.5%1st of 12+22.9%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
City Bank$5.39B1.4%60.7%0.25%0.05%1.4%80.1%11.1%
Vantage Bank Texas$5.14B1.6%55.5%0.87%0.30%1.3%88.9%8.6%
First National Bank Texas$4.64B1.2%84.5%1.23%0.83%1.3%55.8%6.7%
Verabank National Association$4.58B1.6%57.9%0.96%0.10%1.2%69.6%11.4%
International Bank of Com$4.56B1.7%38.5%9.17%0.11%2.5%40.2%12.7%
Texas Exchange Bank$4.49B0.6%95.2%0.00%0.00%1.4%26.2%8.2%
Texas Bank & Trust Co.$4.34B1.6%54.7%0.61%0.01%1.2%91.5%12.9%
Inwood National Bank$4.26B1.6%38.2%0.37%0.41%0.9%67.7%11.6%
Cornerstone Capital Bank SSB$3.67B0.1%89.0%3.62%0.07%0.6%110.0%10.8%
Austin Bank Texas N.A.$3.33B2.1%51.3%0.60%0.05%1.5%89.3%15.1%
Lone Star National Bank$3.28B1.4%63.1%1.06%0.02%1.2%61.5%11.7%
Weststar Bank$3.28B2.3%47.0%0.00%-0.01%1.0%88.6%11.7%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Texas BankCohort median
20212026Change20212026Change
Loans$2.50B$3.43B+37%$1.54B$2.51B+63%
Deposits$3.11B$3.75B+21%$2.52B$3.71B+47%
NPA / loans0.44%0.61%+0.16 pts0.46%0.74%+0.28 pts
Efficiency55.5%54.7%-0.8 pts59.8%56.7%-3.1 pts
ROA1.27%1.56%+0.29 pts1.41%1.58%+0.17 pts

This read was prepared for Texas Bank & Trust Co.'s board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Texas Bank & Trust Co. is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort TX banks $3B to $10B
Institution www.texasbankandtrust.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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