The Bank and Trust, S.S.B.: how it compares with its peers
Against 136 TX banks with half to twice its assets, The Bank and Trust, S.S.B.'s strongest measure in Q2 2026 is net interest margin (4.55% vs. a 4.19% peer median). Its weakest relative measure is assets per employee ($3.9M vs. $7.7M).
| Measure | The Bank and Trust, S.S.B. | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.56% | 1.44% | Middle third Ahead of 56% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.55% | 4.19% | Top third Ahead of 71% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 72.31% | 60.30% | Bottom third Ahead of 18% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $3.9M | $7.7M | Bottom third Ahead of 3% of peers |
| Loans to deposits Net loans and leases over total deposits. | 74.26% | 75.85% | Context |
What it means for lending operations
Its efficiency ratio of 72.31% is above the 60.30% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- First National Bank of Huntsville Huntsville, TX · $585M
- SouthTrust Bank, N.A. George West, TX · $579M
- The Karnes County National Bank of Karnes City Karnes City, TX · $577M
- The First National Bank of East Texas Gilmer, TX · $595M
- Gulf Capital Bank Houston, TX · $596M
- The Falls City National Bank Falls City, TX · $597M
Questions about The Bank and Trust, S.S.B.
How big is The Bank and Trust, S.S.B.?
The Bank and Trust, S.S.B., established in 1910, is headquartered in Del Rio, TX. It reported $584M in total assets in its Q2 2026 FDIC call report and operates 9 offices.
What is The Bank and Trust, S.S.B.'s return on assets?
1.56% annualized in Q2 2026, against a 1.44% median for 136 TX banks with half to twice its assets, ahead of 56% of them.
What is The Bank and Trust, S.S.B.'s efficiency ratio?
72.31% in Q2 2026: it spent about 72 cents in noninterest expense for each dollar of revenue. The peer median is 60.30%, and lower is better.
Is The Bank and Trust, S.S.B. growing its loans?
Net loans grew 10.7% over the year to Q2 2026, while deposits grew 2.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.