Bank&Trust SSB (FDIC #1184): Bank Stress & Real-Estate Credit Exposure
Bank&Trust SSB (FDIC Cert #1184): bank stress 64/100, elevated, STABLE over 7 days; parent WESTEX BCORP INC.
Bank&Trust SSB (#1184) lends in 6 counties across 1 state; Bank&Trust SSB (#1184) reaches 46 ZIP codes: Texas 6 counties, 46 ZIPs.
Bank&Trust SSB (#1184) largest markets: Tom Green County, TX (34 branches, 17 ZIPs) (#1184), Kerr County, TX (11 branches, 11 ZIPs) (#1184), Kendall County, TX (9 branches, 9 ZIPs) (#1184), Val Verde County, TX (32 branches, 8 ZIPs) (#1184), Sutton County, TX (2 branches, 2 ZIPs) (#1184), Kinney County, TX (1 branch, 1 ZIPs) (#1184).
Bank&Trust SSB (#1184) reports $583.8 million in total assets; Bank&Trust SSB (#1184) equity $50.2 million (8.6% of Bank&Trust SSB (#1184) assets); Bank&Trust SSB (#1184) domestic deposits $529.3 million; Bank&Trust SSB (#1184) net income $4.5 million; Bank&Trust SSB (#1184) return on assets 1.56%; Bank&Trust SSB (#1184) return on equity 18.30%; Bank&Trust SSB (#1184) net interest income $12.3 million; Bank&Trust SSB (#1184) call report June 30, 2026.
Bank&Trust SSB (#1184) noncurrent real-estate loans: none reported; Bank&Trust SSB (#1184) net charge-offs on real estate 0.05%.
Bank&Trust SSB (#1184) net interest margin 4.55% against an eight-quarter Bank&Trust SSB (#1184) average of 4.35% (Bank&Trust SSB (#1184) compression -0.20 points); Bank&Trust SSB (#1184) rate-exposure score 40/100, Bank&Trust SSB (#1184) fixed-rate trap 40/100; Bank&Trust SSB (#1184) risk type credit driven; Bank&Trust SSB (#1184) rate regime rates elevated, Bank&Trust SSB (#1184) snapshot October 20, 2026.
Bank&Trust SSB (#1184) stress score moved from 65 on June 22, 2026 to 64.4 on October 20, 2026; Bank&Trust SSB (#1184) ranged 64.4 to 65 over 117 snapshots.
Bank&Trust SSB (#1184) alerts: 6 counties; top Bank&Trust SSB (#1184) alert scores: Boerne County, TX 21 (low); Brackettville County, TX 21 (low); Del Rio County, TX 21 (low); Kerrville County, TX 21 (low); San Angelo County, TX 21 (low).