Bank of South Texas

BankMcallen, Texas
www.bankofsouthtexas.com

Total Assets

$167.7M

Total Deposits

$135.5M

Branches

7

Established

1986

TFS Health Grade

$
C

74.9 / 100

Average financial health

How we grade

Bank of South Texas is a bank headquartered in Mcallen, Texas, established in 1986. With $167.7M in total assets and 7 branch locations, it has a TFS Financial Health Grade of C (74.9/100).

Capital & Safety

Tier 1 Capital Ratio
16.88%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.38%

Profitability

Return on Assets (ROA)
1.66%(1%)
Return on Equity (ROE)
9.01%(10%)
Net Interest Margin
7.48%
Efficiency Ratio
69.06%(60%)

Lending & Liquidity

Total Loans
$116.1M
Loan-to-Deposit Ratio
84.64%
Net Charge-Off Ratio
0.00%

Growth

Asset Growth (YoY)
+4.32%
Deposit Growth (YoY)
+3.17%
Net Income
$2.7M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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