Banks in Texas — Benchmarks

346 institutions filed a Call Report for 2026Q2. Median values below; each metric has its own page with the full percentile distribution and every quarter back to 2001.

Metric	Median (2026Q2)	Banks	Quarter
Efficiency Ratio	62.2%	346	2026Q2
Equity Capital / Total Assets	11.0%	348	2026Q2
Loan Loss Reserve / Loans	1.2%	345	2026Q2
Loans / Deposits	72.8%	345	2026Q2
Net Income (year to date)	$2.8M	348	2026Q2
Net Interest Income / Assets (annualized)	3.8%	348	2026Q2
Return on Assets (annualized)	1.4%	348	2026Q2
Return on Equity (annualized)	12.8%	348	2026Q2
Total Assets	$409.4M	348	2026Q2
Total Deposits	$354.9M	345	2026Q2
Total Loans and Leases	$250.7M	345	2026Q2

Largest institutions (2026Q2)

USAA FEDERAL SAVINGS BANK $106.2B assets, TX · evidence
FROST BANK $54.0B assets, TX · evidence
PROSPERITY BANK $43.9B assets, TX · evidence
TEXAS CAPITAL BANK $33.6B assets, TX · evidence
FIRST FINANCIAL BANK $15.2B assets, TX · evidence
NEXBANK $14.2B assets, TX · evidence
PLAINSCAPITAL BANK $12.7B assets, TX · evidence
STELLAR BANK $10.4B assets, TX · evidence
AMARILLO NATIONAL BANK $10.4B assets, TX · evidence
INTERNATIONAL BANK OF COMMERCE $10.2B assets, TX · evidence

Methodology & sources
One row per reporting institution (RSSD) per quarter, as filed. Percentiles computed in the database via percentile_cont, never by a model. Source: FFIEC Call Reports (public domain).

All bank benchmarks · Cite as: FACTANKER, https://factanker.com/banks/state-tx