The January 2026 11th District Report highlights a resilient Texas economy that remains steady, supported by emerging signs of forward momentum. Employment remains stable and inflation pressures are generally moderate, giving households and businesses a firmer foundation than in recent years. Financial services continue to strengthen, supported by rising loan demand; business investment remains cautious but reflects confidence in long‑term growth; higher‑quality commercial real estate and manufacturing are proving durable; and, premium consumer segments remain healthy.
While housing and energy sectors continue to face headwinds, the broader picture is encouraging. Risks appear contained, balance sheets are holding up, and many businesses are positioned to benefit from gradual improvement. Overall, Texans can read this report as a signal of economic stability with meaningful opportunity.
Your Texas Security Bank team looks forward to working alongside you with tailored solutions to help you accomplish your goals in 2026!
Traci Spratt, CPA- Chief Financial Officer
Texas Security Bank