Bank Of Texas (FDIC #18576): Bank Stress & Real-Estate Credit Exposure

Bank Of Texas (FDIC Cert #18576): bank stress 47/100, moderate, STABLE over 7 days; parent TALL CITY BANCSHARES INC.

Bank Of Texas (#18576) lends in 3 counties across 1 state; Bank Of Texas (#18576) reaches 44 ZIP codes: Texas 3 counties, 44 ZIPs.

Bank Of Texas (#18576) largest markets: El Paso County, TX (31 branches, 31 ZIPs) (#18576), Midland County, TX (9 branches, 9 ZIPs) (#18576), Kent County, TX (4 branches, 4 ZIPs) (#18576).

Bank Of Texas (#18576) reports $543.6 million in total assets; Bank Of Texas (#18576) equity $70.2 million (12.9% of Bank Of Texas (#18576) assets); Bank Of Texas (#18576) domestic deposits $451.2 million; Bank Of Texas (#18576) net income $4.4 million; Bank Of Texas (#18576) return on assets 1.65%; Bank Of Texas (#18576) return on equity 12.86%; Bank Of Texas (#18576) net interest income $9.4 million; Bank Of Texas (#18576) call report June 30, 2026.

Bank Of Texas (#18576) noncurrent real-estate loans: none reported; Bank Of Texas (#18576) net charge-offs on real estate 0.24%; Bank Of Texas (#18576) residential charge-offs 0.36%.

Bank Of Texas (#18576) net interest margin 3.62% against an eight-quarter Bank Of Texas (#18576) average of 4.21% (Bank Of Texas (#18576) compression 0.58 points); Bank Of Texas (#18576) non-residential real estate 36.0% of equity; Bank Of Texas (#18576) rate-exposure score 40/100, Bank Of Texas (#18576) fixed-rate trap 40/100; Bank Of Texas (#18576) risk type credit driven; Bank Of Texas (#18576) rate regime rates elevated, Bank Of Texas (#18576) snapshot October 19, 2026.

Bank Of Texas (#18576) stress score moved from 44.7 on June 22, 2026 to 47.3 on October 19, 2026; Bank Of Texas (#18576) ranged 44.7 to 47.3 over 116 snapshots.

Bank Of Texas (#18576) alerts: 3 counties; top Bank Of Texas (#18576) alert scores: El Paso County, TX 30 (low); Midland County, TX 21 (low); Jayton County, TX 17 (low).