TrustTexas Bank, SSB: how it compares with its peers
Against 142 TX banks with half to twice its assets, TrustTexas Bank, SSB's strongest measure in Q2 2026 is assets per employee ($7.3M vs. a $7.2M peer median). Its weakest relative measure is return on assets (0.24% vs. 1.45%).
| Measure | TrustTexas Bank, SSB | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.24% | 1.45% | Bottom third Ahead of 3% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.71% | 4.19% | Bottom third Ahead of 4% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 88.45% | 60.64% | Bottom third Ahead of 4% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.3M | $7.2M | Middle third Ahead of 52% of peers |
| Loans to deposits Net loans and leases over total deposits. | 54.92% | 72.36% | Context |
What it means for lending operations
Its efficiency ratio of 88.45% is above the 60.64% 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
- The First National Bank of Stanton Stanton, TX · $395M
- Austin Capital Bank SSB Austin, TX · $395M
- Farmers State Bank Center, TX · $391M
- Peoples State Bank of Hallettsville Hallettsville, TX · $396M
- Lakeside Bank Rockwall, TX · $389M
- The MINT National Bank Kingwood, TX · $389M
Questions about TrustTexas Bank, SSB
How big is TrustTexas Bank, SSB?
TrustTexas Bank, SSB, established in 1921, is headquartered in Cuero, TX. It reported $393M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is TrustTexas Bank, SSB's return on assets?
0.24% annualized in Q2 2026, against a 1.45% median for 142 TX banks with half to twice its assets, ahead of 3% of them.
What is TrustTexas Bank, SSB's efficiency ratio?
88.45% in Q2 2026: it spent about 88 cents in noninterest expense for each dollar of revenue. The peer median is 60.64%, and lower is better.
Is TrustTexas Bank, SSB growing its loans?
Net loans grew 21.0% over the year to Q2 2026, while deposits grew 8.5%.
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.