Our Story

The Bank & Trust of Bryan/College Station resulted from a 2009 merger of the $80 million Texas Enterprise Bank, chartered in 2006, and the Bryan/College Station branches of The Bank and Trust of Del Rio, Texas which began business in this market in 2009.  The merger created the community’s largest locally owned community bank with 2015 year-end totals of $475 million in assets, $47 million of capital and five banking locations.

The Bank’s management team consists of former owners, management and key personnel of the former First National Bank of Bryan.  Our mission is to be a significant financial provider for both individuals and businesses in our community by offering convenience, competitively priced products and services supported by the latest proven technology and, most importantly, superior customer service.  We operate by the Five Fs:  Focused, Flexible, Fast, Friendly and Fair.  Armed with banking veterans Tim Bryan, Mike Holmgreen, Ivan Olson, Jerry Fox, Nora Thompson, Joe Salvato and Cal McNeill and others, we provide our customers the absolute best in a banking relationship.

Despite continuing pressure on margins, 2015 was the year The Bank & Trust of Bryan/College Station hit full stride, generating record earnings and returns for our shareholders and contributing to a rising economic tide for our customers and community.  Our Net Income surged 28%, Return on Assets increased to 1.34% from 1.19% the prior year while Return on Capital increased to 13.5%, up from 12.0% in 2014.  Our Efficiency Ratio continues to improve and is helping to offset our compressing Net Interest Margin.  Average loans and deposits grew by 12.2% and 13.8%, respectively, during the 2015 year, and Common Equity Capital grew 12.7% by December 31, 2015.  And though percentage growth slowed slightly from prior years, it was nonetheless robust as evidenced by our asset growth of 11.3%, nearly double the 6.3% rate of our FDIC Peer Group.  Importantly, our deposit growth continues to be primarily in non-interest bearing demand deposits and Asset quality at year-end remained very strong.

Despite economic headwinds from growing concerns about Houston’s oil and gas driven economy, the orbit in which we operate, and continued uncertainty over the Federal government’s fiscal and monetary policy, we believe 2016 will be another record year for TB&T. We will soon top the half-billion-dollar mark in assets. 

We are reminded every day that these results don’t just happen. They result from a great staff of dedicated bankers, a strong board of directors, a vibrant local economy, and – most important of all – loyal customers. We appreciate them all.

Most sincerely,

Timothy N. Bryan
Chairman of the Board
Chief Executive Officer




“Letter to Shareholders and Friends” (2015 Annual Report)