FDIC certificate 26906
Texas Regional Bank
Harlingen, Texas · 6770 West Interstate 2 78552
Hunter Score
This bank ranks below the middle of its size group.
Up 5 points from last quarter.
Compared with 619 banks with $1 billion to $3 billion in assets.
A high score is not a recommendation to buy or sell.
What stands out
Texas Regional Bank has a Hunter Score of 20 out of 100 for Q2 2026, ending June 30, 2026. This bank ranks below the middle of its size group. The comparison is with banks with $1 billion to $3 billion in assets.
The FDIC reported net interest margin of 3.68% (field NIMY). Among banks with $1 billion to $3 billion in assets, the peer rank for this measure is 47 out of 100. A rank of 50 is typical.
The FDIC reported efficiency ratio of 87.02% (field EEFFR). Among banks with $1 billion to $3 billion in assets, the peer rank for this measure is 3 out of 100. A rank of 50 is typical.
Warning flags
These are factual readings from FDIC fields. A flag is a reason to read the number, not a finding that the bank is unsafe.
- Construction loans are at least 100% of capitalConstruction and land development loans were $325,219,000. Total risk-based capital (FDIC field RBC) was $289,404,000. Loans were 112% of that capital. Bank supervisors have used 100% as a level that deserves a closer look. It is not a legal limit, and it is not a statement that the loans are in trouble.
- Uninsured deposits are at least half of depositsFDIC's estimated uninsured deposits were $1,332,553,000, which is 53.7% of total deposits ($2,481,891,000). We flag this at half. That is a reading aid on this site, not an FDIC limit. The uninsured figure is an estimate for domestic offices, so it will not always match total deposits exactly.
Held-to-maturity unrealized losses are not flagged. The FDIC file does not publish a held-to-maturity cost that we can subtract from fair value without guessing.
Similar banks
Other banks in Texas with $1 billion to $3 billion in assets, ordered by Hunter Score.
- First National Bank of Central Texas91out of 100
- The City National Bank of Sulphur Springs86out of 100
- Clear Fork Bank, National Association85out of 100
- Frontier Bank of Texas85out of 100
- Horizon Bank, SSB83out of 100
Top Hunter Scores in Texas · Top scores with $1 billion to $3 billion in assets
The five measures
Numbers below are for Q2 2026, ending June 30, 2026. They are copied from the FDIC. We do not recalculate them.
Return on equity (ROE)
3.26%
Profit for each dollar of the bank's capital. Higher is stronger.
Peer rank 5 out of 100. Weaker than most similar-sized banks.
More about this number
The FDIC reports this as ROE. A common benchmark is above 10%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Return on assets (ROA)
0.30%
Profit for each dollar of assets. Higher is stronger.
Peer rank 4 out of 100. Weaker than most similar-sized banks.
More about this number
The FDIC reports this as ROA. A common benchmark is above 1%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Net interest margin (NIM)
3.68%
The gap between what the bank earns on loans and securities and what it pays for funding. Higher means a wider gap.
Peer rank 47 out of 100. Near the middle of similar-sized banks.
More about this number
The FDIC reports this as NIMY. A common benchmark is above 3%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Efficiency ratio
87.02%
What the bank spends to produce a dollar of revenue. Lower is leaner.
Peer rank 3 out of 100. Weaker than most similar-sized banks.
More about this number
The FDIC reports this as EEFFR. A common benchmark is below 60%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Noncurrent loans
0.59%
Loans that are past due or no longer accruing interest, as a share of all loans. Lower is safer.
Peer rank 42 out of 100. Near the middle of similar-sized banks.
More about this number
The FDIC reports this as NCLNLSR. A common benchmark is below 1%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Recent quarters
- Q2 2026, ending June 30, 202620 out of 100
- Q1 2026, ending March 31, 202615 out of 100
- Q4 2025, ending December 31, 202533 out of 100
- Q3 2025, ending September 30, 202531 out of 100
- Q2 2025, ending June 30, 202530 out of 100
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About this bank
- Total assets
- $2.9 billion
- Deposits
- $2.5 billion
- Equity
- $271.2 million
- Tangible equity
- $229.0 millionBank-level FDIC equity minus goodwill and other intangible assets (FDIC fields EQ and INTANGW). This is not the holding company's tangible book, and it is not per share.
- Offices
- 39
- Charter
- State bank and Federal Reserve member
- Specialty
- Commercial Lending Specialization
- Community bank
- No
- Net income
- $4.4 millionYear-to-date, as reported. Not annualized.
Holding company and stock symbol
Holding company: Texas State Bankshares Inc, Harlingen, TX. Federal Reserve RSSD 4076937.
We do not have a verified stock symbol for this bank. Many community banks are not publicly traded. A symbol is shown only after it matches an SEC filing, or after it is added to the reviewed list.
What is this bank worth per share?
Where it is
6770 West Interstate 2, Harlingen, TX 78552
Showing the main office reported to the FDIC. Use the plus and minus buttons on the map to zoom. Map data is from OpenStreetMap.