TrustTexas Bank, SSB Reports – 539872

TrustTexas Bank, SSB Financial Reports

Quarter Ended: 2025-06-30

Data Updated on: 09/05/2025

TrustTexas Bank, SSB is a N/A located in Cuero, TX. Established on 01/01/1921, the bank is regulated by the FDIC and has 6 domestic offices. It operates in the N/A.

The bank has 48 employees and holds $355,237k in total assets. With a focus on community banking, the bank has been serving its customers since 01/01/1921.

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TrustTexas Bank, SSB Institution Profile

Established Date01/01/1921Institution ClassN/A
Primary RegulatorFDICNumber of Domestic Offices6
Number of Foreign Offices0Number of US Offices0
Number of Employees48Directly owned by another bank (CERT)No
Community BankYesZIP77954
Ownership TypeNot MutualCityCuero
State Alpha codeTXState and County Number48123
Subchapter S CorporationsNoTrust PowersTrust Powers Not Known
Federal Reserve ID Number11Federal Reserve ID Number DescriptionDALLAS
Office of The Comptroller District:N/AOffice of Thrift Supervision RegionN/A
Last Structure Change Effective Date08/31/2022Date of Deposit Insurance08/09/1989
Primary Insurance AgencyDIF

Institution Profile Overview

Delve into the foundational details of TrustTexas Bank, SSB with our “Institution Profile” table. The 01/01/1921 marks the bank’s inception, providing historical context. Categorized as a N/A, the bank operates under the oversight of FDIC, ensuring compliance and regulatory adherence.

6 domestic offices reflect the bank’s physical footprint, while insights into ownership type, trust powers, and regulatory affiliations contribute to understanding its operational structure. Details such as Cuero, TX, and 77954 provide geographic context. Explore these attributes to gain a holistic view of TrustTexas Bank, SSB in the financial landscape.

TrustTexas Bank, SSB Financials

(USD, in thousands)

Total Assets$355,237Total Liabilities$358,047
Total Equity Capital$-2,810Total Deposits$354,658
Net Loans and Leases$174,598Total Interest Income$3,919
Total Noninterest Income$354Total Interest Expense$1,485
Total Noninterest Expense$2,612Tier 1 Risk-Based Capital Ratio19.80%
Net Loans and Leases to Core Deposits55.57%Return on Assets0.12%
Return on EquityN/AEfficiency Ratio93.69%

Financial Performance Overview

Gain a comprehensive perspective on TrustTexas Bank, SSB’s financial landscape through our “Financials” table. The bank boasts total assets of $355,237k, showcasing its substantial scale and influential market presence. A nuanced breakdown reveals insights into the bank’s financial structure and stability, with total liabilities standing at $358,047k and total equity capital at $-2,810k.

Delve into key operational metrics, including total deposits of $354,658k, net loans and leases at $175k, and a meticulous analysis of income and expense components. Explore vital ratios such as the Tier 1 Risk-Based Capital Ratio, standing at 19.7975, and Return on Assets at 0.12. These metrics provide valuable insights into the bank’s risk management strategies and overall profitability.

This detailed financial overview is designed to enhance your understanding of TrustTexas Bank, SSB’s performance and competitive positioning within the financial industry.

TrustTexas Bank, SSB Additional Financial Information

(USD, in thousands)

Earnings Coverage of Net Loan Charge-Offs(x)-$15Net Loans and Leases to Core Deposits55.57%
Tier 1 Risk-Based Capital Ratio19.80%Securities Gains (Losses)$0
Goodwill and Other IntangiblesN/ACost of Funding Earning Assets1.80%
Yield on Earning Assets4.75%Total Interest Income$3,919
Applicable Income Taxes$0Loss Allowance to Loans and Leases1.02%
Net Loans and Leases$174,598Loss Allowance to Noncurrent Loans and Leases273.21%
Noncurrent Loans to Loans0.37%Net Income Attributable to Bank and Noncontrolling Interests$107
Net Interest Income$2,434Net Interest Margin2.95%
Net Operating Income to Assets0.12%Noninterest Income to Average Assets0.40%
Total Noninterest Income$354Noninterest Expense to Average Assets2.95%
Total Noninterest Expense$2,612Net Charge-Offs to Loans and Leases0.01%
All Other Assets$14,361Other Real Estate Owned$0
Other borrowed funds$0Pre-tax Net Operating Income$107
Pretax Return on Assets0.12%Return on Assets0.12%
Retained Earnings to Average Equity (YTD only)0.00%

Insights into Financial Metrics

Enhance your understanding of TrustTexas Bank, SSB‘s financial standing through our Additional Financial Information table. Explore key metrics such as Net Loans and Leases: $174,598k and Net Interest Income $2,434k to gain valuable insights into the bank’s core operations and revenue streams. Assess the Tier 1 Risk-Based Capital Ratio: 19.7975 for in-depth insights into capital adequacy and risk management strategies.

Delve into the intricacies of Net Charge-Offs to Loans and Leases: 0.01 to evaluate the bank’s asset quality and risk mitigation efforts. Examine the composition of income through Total Noninterest Income: $354k and evaluate operational efficiency using metrics like Efficiency Ratio: 93.69. This nuanced financial overview empowers a comprehensive analysis of TrustTexas Bank, SSB‘s strategic financial position and performance in the industry.

Frequently Asked Questions (FAQs)

What is the asset size of TrustTexas Bank, SSB?

The asset size of TrustTexas Bank, SSB is approximately $355,237k, reflecting the bank’s scale and market presence.

How does the loan-to-deposit ratio of TrustTexas Bank, SSB compare to industry benchmarks?

The loan-to-deposit ratio is a crucial measure of the bank’s financial health. For TrustTexas Bank, SSB, this ratio stands at
49.23%
(please calculate and adjust this logic based on real data retrieval), compared to industry averages typically ranging from 80% to 90%.

What is the capital adequacy ratio for TrustTexas Bank, SSB?

The Tier 1 Risk-Based Capital Ratio, a key indicator of the bank’s financial stability, is 19.7975.

What is the net interest margin of TrustTexas Bank, SSB, and how has it trended over the past year?

The current net interest margin is 2.95. Historical trends would require a more detailed analysis over the past quarters, which can be provided upon request.

What is the percentage of non-performing loans on TrustTexas Bank, SSB’s balance sheet?

The percentage of non-performing loans is an important metric indicating asset quality. For TrustTexas Bank, SSB, this stands at 0.3725.

Are there any recent regulatory changes that could impact TrustTexas Bank, SSB’s operations?

Regulatory environments are dynamic. Specific recent changes would require further detailed scanning of regulatory updates impacting TrustTexas Bank, SSB. For tailored insights, please consult our expert or access our detailed reports.

What is the history of TrustTexas Bank, SSB?

TrustTexas Bank, SSB was established on 01/01/1921. It has been serving the community for several decades, continuously adapting to the changing financial landscape. For a detailed history, please refer to the bank’s about page.

Is TrustTexas Bank, SSB FDIC insured?

Yes, TrustTexas Bank, SSB is FDIC insured, ensuring that deposits are protected up to the applicable limits. This underlines the bank’s commitment to maintaining customer trust and financial security.

What is the routing number for TrustTexas Bank, SSB in OK?

The routing number for TrustTexas Bank, SSB in Oklahoma is not available. It’s recommended to verify with the bank directly for transactions.

How big is TrustTexas Bank, SSB?

TrustTexas Bank, SSB is a significant player in the financial sector with total assets valued at $355,237k and a network of 6 domestic offices.

Is TrustTexas Bank, SSB a local bank?

TrustTexas Bank, SSB is often considered a local bank due to its strong community focus and local market presence, despite having a broader operational reach. This combination allows it to serve local communities effectively while benefiting from larger-scale operations.

This table provides key financial information about TrustTexas Bank, SSB. Get more data about TrustTexas Bank, SSB on Visbanking Report Portal.

Created with Highcharts 12.3.0TRUSTTEXAS BANK SSB - Total Assets Over TimeTotal AssetsQ'1-23Q'2-23Q'3-23Q'4-23Q'1-24Q'2-24Q'3-24Q'4-24Q'1-25Q'2-25$325.00 M$350.00 M$375.00 M$400.00 M$425.00 M$450.00 M$475.00 M

TrustTexas Bank, SSB Reports — Quarterly Financial Trends (Last 16 Quarters)

Explore the historical financial performance and key metrics trends for TrustTexas Bank, SSB Reports over the past 16 quarters.

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