Banks in Texas — Loans / Deposits, 2025Q4

Population: 352 Call Report filers, reporting date 2025-12-31.

Cite as: FACTANKER, https://factanker.com/banks/state-tx/loan-to-deposit/2025Q4

← 2025Q3 · 2026Q1 → · latest quarter

10th percentile	36.9%
25th percentile	56.2%
Median	71.7%
75th percentile	85.8%
90th percentile	94.0%
Mean	69.3%
Minimum	6.8%
Maximum	217.3%

Methodology & sources
Total loans and leases (item 2122) divided by total deposits (item 2200), both at the quarter end.
One row per reporting institution (RSSD) as of 2025-12-31; percentiles computed in the database via percentile_cont, never by a model. Source: FFIEC Call Reports (public domain). Data: FACTANKER registry, precomputed 2026-09-06.

Evidence samples

Largest institutions in this group

USAA FEDERAL SAVINGS BANK $108.0B assets · evidence
FROST BANK $53.1B assets · evidence
PROSPERITY BANK $38.5B assets · evidence
TEXAS CAPITAL BANK $31.3B assets · evidence
FIRST FINANCIAL BANK $15.4B assets · evidence

Not claimed

Population is Call Report filers (FDIC-insured commercial banks and savings institutions). Credit unions, holding companies and non-US banks are not part of it.
One row per reporting institution (RSSD), not per banking group: a holding company with three bank subsidiaries counts three times.
Income statement items are year-to-date, not quarterly. Ratios marked annualized are multiplied by 4 / quarter number; net income is not.
The state of an institution is its current head-office state from the Call Report directory, applied to all of its quarters.
Comparisons across 2011Q4 / 2012Q1 are not pure market movement: thrift institutions moved from the Thrift Financial Report into the Call Report in 2012Q1 (filers 6,789 -> 7,377).
sample_fact_ids evidence the three largest institutions of the class, not every number in the distribution.

All quarters of this metric · All Banks in Texas benchmarks · All bank benchmarks