Bank Of South Texas (FDIC #26727): Bank Stress & Real-Estate Credit Exposure

Bank Of South Texas (FDIC Cert #26727): bank stress 40/100, contained, STABLE over 7 days.

Bank Of South Texas (#26727) lends in 4 counties across 1 state; Bank Of South Texas (#26727) reaches 52 ZIP codes: Texas 4 counties, 52 ZIPs.

Bank Of South Texas (#26727) largest markets: Hidalgo County, TX (120 branches, 30 ZIPs) (#26727), Cameron County, TX (17 branches, 17 ZIPs) (#26727), Kleberg County, TX (8 branches, 4 ZIPs) (#26727), Jim Hogg County, TX (2 branches, 2 ZIPs) (#26727).

Bank Of South Texas (#26727) reports $174.5 million in total assets; Bank Of South Texas (#26727) equity $31.7 million (18.2% of Bank Of South Texas (#26727) assets); Bank Of South Texas (#26727) domestic deposits $141.1 million; Bank Of South Texas (#26727) net income $939,000; Bank Of South Texas (#26727) return on assets 1.10%; Bank Of South Texas (#26727) return on equity 6.00%; Bank Of South Texas (#26727) net interest income $5.2 million; Bank Of South Texas (#26727) call report June 30, 2026.

Bank Of South Texas (#26727) noncurrent real-estate loans: none reported; Bank Of South Texas (#26727) net charge-offs on real estate 0.24%; Bank Of South Texas (#26727) residential charge-offs 0.23%.

Bank Of South Texas (#26727) net interest margin 6.98% against an eight-quarter Bank Of South Texas (#26727) average of 7.14% (Bank Of South Texas (#26727) compression 0.17 points); Bank Of South Texas (#26727) non-residential real estate 23.2% of equity; Bank Of South Texas (#26727) rate-exposure score 40/100, Bank Of South Texas (#26727) fixed-rate trap 40/100; Bank Of South Texas (#26727) risk type rate trapped; Bank Of South Texas (#26727) rate regime rates elevated, Bank Of South Texas (#26727) snapshot October 19, 2026.

Bank Of South Texas (#26727) stress score moved from 42.4 on June 22, 2026 to 39.7 on October 19, 2026; Bank Of South Texas (#26727) ranged 39.7 to 42.4 over 116 snapshots.

Bank Of South Texas (#26727) alerts: 4 counties; top Bank Of South Texas (#26727) alert scores: Hebbronville County, TX 15 (low); Kingsville County, TX 15 (low); Olmito County, TX 15 (low); Pharr County, TX 15 (low).