B
The Bank and Trust, SSB
Del RioTX
Rating Date
June 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings The Bank and Trust, SSB
Del Rio, TX
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Rating B
Asset Quality Index 8.90
Capitalization Index 8.30
Liquidity Index 3.00
Profitability Index 5.90
Stability Index 6.40
Company Info The Bank and Trust, SSB
Del Rio, TX
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FDIC Number 1184
Phone Number (830) 774-2555
Website www.thebankandtrust.bank
Asset Quality The Bank and Trust, SSB
Del Rio, TX
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1-Year Asset Growth 4.47%
5-Year Asset Growth 5.81%
5-Year Charge-Offs to Average Loans 0.02%
Charge-Offs to Average Loans 0.03%
Non-Performing Assets to Assets 0.08%
Non-Performing Loans to Capital 0.32%
Non-Performing Loans to Loans 0.12%
Balance Sheet The Bank and Trust, SSB
Del Rio, TX
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Total Assets 559.09M
Total Deposits 511.08M
Capital and Reserves The Bank and Trust, SSB
Del Rio, TX
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Capital 43.68M
Leverage Ratio 9.86
Loan Loss Reserves to Loans 1.16%
Risk-Based Capital Ratio 19.32
Liquidity The Bank and Trust, SSB
Del Rio, TX
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Hot Money Ratio 13.31%
Liquidity Ratio 20.45%
Profitability The Bank and Trust, SSB
Del Rio, TX
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5-Year Return on Average Assets 1.35%
Net Income 1.98M
Net Interest Spread 4.21%
Operating Profit to Average Assets 1.41%
Overhead Efficiency Ratio 73.28%
Return on Assets 1.41%
Return on Equity 18.68%