Bank of South Texas
Mcallen, TX
IDRSSD: 49858
Total Assets
$160.94M
Latest filing
Total Deposits
$129.08M
Latest filing
Net Interest Margin
7.81%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Bank of South Texas
1421 E Nolana Ave
Mcallen, TX 78504
Full Service - Brick and Mortar
Updated 11/14/2025Established 07/08/1986FDIC Certificate 35808
Branches (6)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Bank of South Texas (Main) | 1421 E Nolana Ave | Mcallen, TX |
| BANK OF SOUTH TEXAS KINGSVILLE BRANCH | 300 E King Ave | Kingsville, TX |
| DETACHED FACILITY | 301 East King Street | Kingsville, TX |
| BANK OF SOUTH TEXAS HEBBRONVILLE BRANCH | 1500 N Smith Ave | Hebbronville, TX |
| BANK OF SOUTH TEXAS CAGE BRANCH | 840 N Cage Blvd | Pharr, TX |
| MISSION BRANCH | 2000 N Conway Ave | Mission, TX |
| BANK OF SOUTH TEXAS EDINBURG BRANCH | 320 E University Dr | Edinburg, TX |
Showing 6 of 6
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 non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 07/08/1986 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 78504 |
| State and County Number | 48215 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 11 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | McAllen-Edinburg-Mission, TX |
Operational Info
| Number of Employees | 59 |
| Domestic Offices | 7 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 07/08/1986 |
| Primary Insurance Agency | DIF |
| Website | www.bankofsouthtexas.com |
| Data Updated | 11/14/2025 |
| CERT | 26727 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $160.94M |
| Total Deposits | $129.08M |
| Total Liabilities | $130.63M |
| Total Equity Capital | $30.32M |
| Net Income | $709.00k |
| Net Loans and Leases | $109.42M |
| Assets Per Employee ($Millions) | $2.64M |
| Bank Premises and Fixed Assets | $5.58M |
| Cash and Balances due from Depository Institutions | $16.42M |
| Deposits Held in Domestic Offices | $129.08M |
Key Performance Ratios
| Return on Assets (ROA) | 1.76% |
| Return on Equity (ROE) | 9.4% |
| Net Interest Margin | 7.81% |
| Efficiency Ratio | 67.49% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.17% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 18.838% |
| Earning Assets to total Assets | 87.62% |
Income and Expense
| Total Interest Income | $3.34M |
| Total Noninterest Income | $195.00k |
| Total Interest Expense | $581.00k |
| Total Noninterest Expense | $2.00M |
| Net Interest Income | $2.76M |
| Pre-tax Net Operating Income | $891.00k |
| Provision for Credit Losses | $70.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| 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 | $1.55M |
| Total Liabilities and Capital | $160.94M |
Securities
| Securities | $20.27M |
| Available-for-sale debt securities | $20.27M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Bank of South Texas?
$160.94M as of the latest filing.
How much are Bank of South Texas's total deposits?
$129.08M in total deposits.
Where is Bank of South Texas located?
Mcallen, TX.
What is the Net Interest Margin?
7.81%.
How many domestic offices does it operate?
7.
When was it established?
07/08/1986.
What is the Return on Assets (ROA)?
1.76%.
How much are total loans and leases?
$109.42M (latest filing).
What is the total interest income (latest filing)?
$3.34M.