The Bank and Trust, S.S.B.
Del Rio, TX
IDRSSD: 623454
Total Assets
$584.83M
Latest filing
Total Deposits
$530.55M
Latest filing
Net Interest Margin
4.47%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
114901370DEL RIO, TX
Key People
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Locations
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Main Office
The Bank and Trust, S.S.B.
1200 Veterans Blvd
Del Rio, TX 78840
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1910FDIC Certificate 812
Branches (8)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| The Bank and Trust, S.S.B. (Main) | 1200 Veterans Blvd | Del Rio, TX |
| SONORA BRANCH | 229 Highway 277 N | Sonora, TX |
| DETACHED FACILITY BRANCH | 1200 Veterans Blvd | Del Rio, TX |
| OPERATIONS CENTER BRANCH | 1200 Veterans Blvd | Del Rio, TX |
| KNICKERBOCKER ROAD BRANCH | 1460 Knickerbocker Rd | San Angelo, TX |
| BEDELL AVENUE BRANCH | 2411 N Bedell Ave | Del Rio, TX |
| KERRVILLE BRANCH | 520 Thompson Dr | Kerrville, TX |
| BOERNE BRANCH | 118 West Bandera Road | Boerne, TX |
Showing 7 of 8
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 01/01/1910 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 78840 |
| State and County Number | 48465 |
| Subchapter S Corporations | Yes |
| Trust Powers | Trust Powers Not Granted |
| Federal Reserve ID Number | 11 |
| Numeric code | 15 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Del Rio, TX |
Operational Info
| Number of Employees | 141 |
| Domestic Offices | 9 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 01/13/2023 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.thebankandtrust.com |
| Data Updated | 01/30/2026 |
| CERT | 1184 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $584.83M |
| Total Deposits | $530.55M |
| Total Liabilities | $535.58M |
| Total Equity Capital | $49.25M |
| Net Income | $2.51M |
| Net Loans and Leases | $368.39M |
| Assets Per Employee ($Millions) | $4.03M |
| Bank Premises and Fixed Assets | $15.93M |
| Cash and Balances due from Depository Institutions | $38.79M |
| Deposits Held in Domestic Offices | $530.55M |
Key Performance Ratios
| Return on Assets (ROA) | 1.72% |
| Return on Equity (ROE) | 20.68% |
| Net Interest Margin | 4.47% |
| Efficiency Ratio | 70% |
| Tier 1 Risk-Based Capital Ratio | 17.699% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.03% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.421% |
| Earning Assets to total Assets | 92.78% |
Income and Expense
| Total Interest Income | $7.34M |
| Total Noninterest Income | $2.49M |
| Total Interest Expense | $1.30M |
| Total Noninterest Expense | $5.97M |
| Net Interest Income | $6.04M |
| Pre-tax Net Operating Income | $2.51M |
| Provision for Credit Losses | $45.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $5.03M |
| Total Liabilities and Capital | $584.83M |
Securities
| Securities | $143.35M |
| Available-for-sale debt securities | $143.35M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Bank and Trust, S.S.B.?
$584.83M as of the latest filing.
How much are The Bank and Trust, S.S.B.'s total deposits?
$530.55M in total deposits.
Where is The Bank and Trust, S.S.B. located?
Del Rio, TX.
What is the Net Interest Margin?
4.47%.
How many domestic offices does it operate?
9.
When was it established?
01/01/1910.
What is the Return on Assets (ROA)?
1.72%.
How much are total loans and leases?
$368.39M (latest filing).
What is the total interest income (latest filing)?
$7.34M.