Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Total Assets
$4.5B
Total Deposits
$3.9B
Net Loans
$3.3B
Net Income
$16M
ROA
1.44%
Above avg for Community banks. Peer avg: 0.90%
ROE
11.87%
Risk-Based Capital
17.08%
Above avg for Community banks. Regulatory min: 8%
Total Assets — Last 8 Quarters
Compared to the peer-bank Community peer group (same asset tier).
Unlock peer list → See which specific banks are in this peer group.
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 523 | 63.48% | 16.06% |
| 2023 | 586 | 65.53% | 15.36% |
| 2022 | 665 | 67.07% | 13.68% |
| 2021 | 711 | 62.17% | 15.89% |
| 2020 | 859 | 62.28% | 14.20% |
| 2019 | 520 | 60.77% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Jan 2026 | Satisfactory | Large Bank |
| Jan 2023 | Satisfactory | Large Bank |
| Nov 2019 | Satisfactory | Large Bank |
10 previous ratings locked — back to 1991
Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.
One-time payment · No subscription required
Exam dates and details are paywalled
Total Branches
21
Branch Deposits
$3.8B
1-Year Change
0
Copy this snippet to embed a live rating badge on your website:
<iframe src="https://bankscorer.com/widget/bank/texas-bank-and-trust-company" width="320" height="80" frameborder="0" scrolling="no" style="border:none" ></iframe>
Updates automatically when the rating changes.
Preview:
| 17.50% |
| 2018 | 557 | 58.35% | 17.59% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red