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 2016 year-end totals of $513 million in assets, $52 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, Robert Davis, Nora Thompson, Joe Salvato and Cal McNeill and others, we provide our customers the absolute best in a banking relationship.

2016 was a banner year for The Bank & Trust of Bryan/ College Station … yielding record earnings and returns for our shareholders. You might ask what makes the mare go? Simply put … Asset Growth … Asset Profitability … Asset Quality.

Average loans and deposits grew by 11.4% and 9.7%, respectively, during the year.  Common Equity Capital grew 10.9% to $52.6 million at December 31, including the repurchase by the Bank of $1.4 million of its own common stock during the year. Average assets grew 10.9%, over 50% faster than the 6.4% rate of our FDIC Bank Peer Group.* Importantly, deposit growth continues to be primarily non-interest bearing which provides for a lower cost of funds.

Net income after taxes increased 17% to $7.1 million, up from $6.1 million in 2015. Return on Average Assets increased to 1.41% from 1.34% the prior year while Return on Average Capital increased to 14.1% from 13.5% in 2015. Our operating efficiency continues to improve which, in addition to loan growth, meaningfully contributes to earnings.

Asset quality remains very strong with loans past due over 30 days and loans on nonaccrual status virtually non-existent. Adversely classified assets are less than 8.0% of risk-based capital. Loan charge-offs have been minimal and, at year end, our Loan Loss Reserve was a very healthy 1.45% of Total Loans.

We continue to face economic headwinds resulting from the downturn in the oil and gas industry and from continued uncertainty over the Federal government’s fiscal and monetary policy, the latter now exerting upward pressure on our deposit costs. Also, the State of Texas is making noises about substantial cuts in Higher Ed funding over the next biennium. Hopefully, these negatives will be offset by a more favorable regulatory environment and a new optimism about our nation’s business climate resulting from last November’s election. Considering it all, we believe this year will be another record one for TB&T as we expect over $8 million in earnings.

It goes without saying that our marketplace, Bryan/College Station, is the beneficiary of Texas A&M University which possesses the largest campus student population in the state and third largest in the country. For us, all roads lead to and from there and we have five strategically placed branches along the way. Coupled with bricks and mortar are our group of very talented and experienced bankers including a dedicated board of  directors. Of course, all of this counts for nothing without our many loyal customers.  Speaking on behalf of our shareholders, we are most grateful for all.

Most sincerely,

Timothy N. Bryan
Chairman of the Board
Chief Executive Officer


“Letter to Shareholders and Friends” (2016 Annual Report)