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The Bank and Trust, S.S.B.

Del Rio, TX
IDRSSD: 623454
Total Assets
$583.61M
Latest filing
Total Deposits
$531.33M
Latest filing
Net Interest Margin
4.38%
Profitability
0

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 ClassCommercial bank, state charter, Fed member, supervised by FRB
Primary RegulatorFED
Established Date01/01/1910
Community BankYes
Ownership TypeNot Mutual
ZIP78840
State and County Number48465
Subchapter S CorporationsYes
Trust PowersTrust Powers Not Granted
Federal Reserve ID Number11
Numeric code15
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictDallas
Core Based Statistical Area NameDel Rio, TX

Operational Info

Number of Employees140
Domestic Offices9
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date01/13/2023
Date of Deposit Insurance01/01/1934
Primary Insurance AgencyDIF
Websitewww.thebankandtrust.com
Data Updated11/14/2025
CERT1184
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$583.61M
Total Deposits$531.33M
Total Liabilities$535.63M
Total Equity Capital$47.98M
Net Income$2.02M
Net Loans and Leases$361.02M
Assets Per Employee ($Millions)$4.14M
Bank Premises and Fixed Assets$14.45M
Cash and Balances due from Depository Institutions$49.84M
Deposits Held in Domestic Offices$531.33M

Key Performance Ratios

Return on Assets (ROA)1.4%
Return on Equity (ROE)17.51%
Net Interest Margin4.38%
Efficiency Ratio73.97%
Tier 1 Risk-Based Capital Ratio17.829%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.08%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets8.221%
Earning Assets to total Assets92.44%

Income and Expense

Total Interest Income$7.09M
Total Noninterest Income$2.34M
Total Interest Expense$1.26M
Total Noninterest Expense$6.05M
Net Interest Income$5.83M
Pre-tax Net Operating Income$2.02M
Provision for Credit Losses$109.00k
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$4.31M
Total Liabilities and Capital$583.61M

Securities

Securities$140.52M
Available-for-sale debt securities$140.52M
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 The Bank and Trust, S.S.B.?
$583.61M as of the latest filing.
How much are The Bank and Trust, S.S.B.'s total deposits?
$531.33M in total deposits.
Where is The Bank and Trust, S.S.B. located?
Del Rio, TX.
What is the Net Interest Margin?
4.38%.
How many domestic offices does it operate?
9.
When was it established?
01/01/1910.
What is the Return on Assets (ROA)?
1.4%.
How much are total loans and leases?
$361.02M (latest filing).
What is the total interest income (latest filing)?
$7.09M.