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

Texas Regional Bank

Harlingen, Texas · $2.95B in assets · beside the 11 other Texas banks between $1B and $3B

The filing

0.28%
ROA
12th of 12
88.8%
Efficiency
12th of 12
+12.5%
Loans, year over year
2nd of 12, largest first

Texas Regional Bank is the third largest of the 12 Texas banks nearest its size between $1B and $3B, with $2.95B in assets at 30 June 2026. Loans are 72.4% of deposits, 3rd of 12 against a median of 78.6%, and equity is 9.2% of assets, 9th of 12. Loans grew +12.5% in the year, 2nd of 12, and deposits fell 0.2%; the cohort's median loan growth is +1.1%.

Noncurrent loans are 0.59% of the book, 6th of 12 against a median of 0.67%; 0.20% is 30 to 89 days past due, and the allowance covers them 1.9 times. Commercial real estate is 47.5% of loans, 10th of 12 against a median of 36.7%, and 295% of capital, below the 300% screen, with construction at 112% against the 100% screen.

Return on assets is 0.28%, the lowest in the cohort against a median of 1.50%, on an efficiency ratio of 88.8%, the highest in the cohort. Five years ago it was 1.27%. The question is cost: what the efficiency ratio does to earnings when the margin compresses.

Return on assetsTX banks $1B to $3B · 30 June 2026 · higher is stronger, listed first
median 1.50% SB State Bank of Texas 4.22% AF American First National Bank 2.14% HB Horizon Bank SSB 1.72% TN Tib National Association 1.68% WF Wells Fargo Bank S Central N.A. 1.67% WT West Texas National Bank 1.59% PB Pinnacle Bank 1.40% AM American Momentum Bank 1.27% JB Jefferson Bank 1.11% SB Susser Bank 0.96% EB Extraco Banks National Association 0.79% TR Texas Regional Bank 0.28%
Loans, year over yearTX banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +1.1% SB Susser Bank +12.8% TR Texas Regional Bank +12.5% HB Horizon Bank SSB +6.1% PB Pinnacle Bank +5.4% JB Jefferson Bank +4.5% WT West Texas National Bank +1.2% EB Extraco Banks National Association +1.1% AM American Momentum Bank +0.1% AF American First National Bank -0.0% TN Tib National Association -6.3% SB State Bank of Texas -7.0% WF Wells Fargo Bank S Central N.A. -14.6%

SBA 7(a), FY2008 to FY2026

Texas Regional Bank is the 153rd largest 7(a) lender into Texas of 706, with $44M across 50 loans, 0.1% of everything approved in the state (Live Oak Banking Company leads with $2.53B). 8 of its 8 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
Denton, TX$16M34th of 2240.8%quiet FY2017
Collin, TX$9M70th of 2610.3%quiet FY2016
Dallas, TX$8M105th of 3140.2%quiet FY2018
Hidalgo, TX$7M13th of 942.0%quiet FY2011
Tarrant, TX$2M188th of 2810.0%quiet FY2016
Kaufman, TX$1M46th of 860.5%quiet FY2010
Rockwall, TX$520K73rd of 1080.2%quiet FY2010
Wise, TX$265K58th of 700.2%quiet FY2016
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
Real estate & leasing4$8M18.5%0.07%227th of 1,452
Health care & social assistance5$8M17.4%0.02%442nd of 2,172
Accommodation & food services11$7M16.2%0.01%693rd of 2,596
Professional & technical services5$6M14.8%0.02%382nd of 1,955
Other services8$5M11.8%0.01%532nd of 2,248
7(a) lenders into Texas, share of approvals since FY2008706 lenders on record; the ten largest and Texas Regional 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 TR Texas Regional Bank 0.1% $44M · 50 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 Regional BankRankCohort median
Total CRE against capital, the 300% screen295%10th of 12247%
Construction against capital, the 100% screen112%11th of 1248%
Construction and land development, share of loans18.1%11th of 128.7%
Non-owner-occupied nonfarm nonresidential, share of loans22.3%8th of 1220.7%
Total CRE, the guidance definition, share of loans47.5%10th of 1236.7%
CRE growth over 36 months, the third prong+21.8%10th of 12+8.6%

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
Susser Bank$2.99B1.0%62.2%0.42%0.01%1.3%83.2%10.3%
Tib National Association$2.96B1.7%57.7%0.84%0.26%1.4%75.4%14.6%
Texas Regional Bank$2.95B0.3%88.8%0.59%0.07%1.1%72.4%9.2%
American First National Bank$2.89B2.1%38.1%0.42%0.08%1.1%98.8%14.2%
West Texas National Bank$2.88B1.6%46.5%1.67%0.88%1.9%58.6%10.2%
Jefferson Bank$2.88B1.1%74.8%0.75%0.01%0.8%75.6%8.6%
American Momentum Bank$2.85B1.3%59.6%3.52%0.11%1.2%91.4%22.2%
Pinnacle Bank$2.72B1.4%52.3%0.13%0.01%1.2%81.6%13.2%
Wells Fargo Bank S Central N.A.$2.59B1.7%14.5%1.24%0.01%0.1%102.3%30.1%
State Bank of Texas$2.59B4.2%21.4%2.16%0.00%1.0%97.8%16.4%
Extraco Banks National Association$2.57B0.8%75.7%0.04%0.04%2.4%64.4%8.4%
Horizon Bank SSB$2.55B1.7%52.6%0.00%0.02%1.7%74.0%8.0%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Texas Regional BankCohort median
20212026Change20212026Change
Loans$768M$1.80B+134%$1.10B$1.85B+69%
Deposits$1.53B$2.48B+62%$1.75B$2.35B+35%
NPA / loans0.09%0.59%+0.50 pts0.19%0.67%+0.48 pts
Efficiency73.0%88.8%+15.8 pts65.5%55.1%-10.3 pts
ROA1.27%0.28%-0.99 pts1.03%1.50%+0.46 pts

This read was prepared for Texas Regional Bank'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 Regional Bank 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 $1B to $3B
Institution www.trb.bank

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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