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Austin Bank, Texas National Association

$1B-$10B Specialty: Commercial TX FDIC cert 3276

Designations: ✓ Community bank

Jacksonville, TX

39 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 78 in TX.
  • Deposits +5.4% year over year ($2.8B on the books).
  • Delinquency rate 0.61%.
  • Return on assets 2.08%.
  • Efficiency ratio 51.33% vs a 59.73% peer average.
  • Loan-to-deposit ratio 88.01% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 78 in TX
View $1B-$10B leaderboard (TX) →

Austin Bank, Texas National Association has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Deposit Franchise: Top 11.2% in tier
  • + Profitability Leader: Top 27.0% in tier
  • + Efficiency Ratio 8.40% below tier average
  • + Delinquency Rate 0.26% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 2.5% in tier
Get updates when Austin Bank, Texas National Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $3.3B
+6.5% YoY +1.9% QoQ
+$538.0M $2.8B
-0.6% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
75%
Total Loans ? $2.5B
+0.6% YoY -0.2% QoQ
+$499.6M $2.0B
-0.3% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
76%
Total Deposits ? $2.8B
+5.4% YoY +2.0% QoQ
+$479.4M $2.3B
-0.5% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
75%
Return on Assets ? 2.08%
+21.7% YoY +2.1% QoQ
+0.69% 1.39%
+17.0% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
Top 9.5% in tier
Net Interest Margin ? 5.25%
+8.6% YoY +2.9% QoQ
+1.38% 3.87%
+6.2% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
Top 3.8% in tier
Efficiency Ratio ? 51.33%
-9.1% YoY -0.0% QoQ
-8.40% 59.73%
-12.6% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
74%
Delinquency Rate ? 0.61%
+26.3% YoY +5.6% QoQ
-0.26% 0.87%
+11.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
44%
Loan-to-Deposit Ratio ? 88.01%
-4.6% YoY -2.1% QoQ
+2.98% 85.04%
-0.1% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
48%
Non-Interest-Bearing Deposit Share ? 36.74%
-0.1% YoY +0.9% QoQ
+15.46% 21.27%
-1.5% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
Top 6.9% in tier
Nonperforming Asset Ratio ? 0.51%
+5.0% YoY -2.4% QoQ
-0.17% 0.67%
+11.7% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
43%
Tier 1 Capital Ratio ? 15.12%
+7.2% YoY +0.6% QoQ
+0.27% 14.84%
-0.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
74%
Non-Interest Income / Assets ? 0.37%
-7.1% YoY +90.6% QoQ
-0.15% 0.53%
+2.5% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
67%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Noninterest-Bearing 36.7%
0.0pp YoY
+0.3pp QoQ
 +15.4pp 21.4% 29.2% 22.2% 93%
Brokered Deposits n/a n/a 9.5% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 8.6%
-0.4pp YoY
0.0pp QoQ
 -5.4pp 14.0% 14.8% 12.5% 38%
CRE 45.8%
-0.2pp YoY
-0.3pp QoQ
 -4.2pp 50.0% 48.4% 41.4% 38%
1-4 Family 37.9%
+1.0pp YoY
+0.4pp QoQ
 +11.5pp 26.4% 25.8% 31.3% 79%
Consumer 4.9%
-0.6pp YoY
-0.1pp QoQ
 +0.2pp 4.7% 4.7% 5.0% 81%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio n/a n/a 15.6% 22.7% 19.7% n/a
Leverage Ratio 15.1%
+1.0pp YoY
+0.1pp QoQ
 +3.8pp 11.3% 12.6% 12.6% 93%
Total Capital Ratio n/a n/a 16.7% 23.8% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 533
-8 (-1.5%) YoY
-4 (-0.7%) QoQ
 +219 313 186 482 86%
Assets per Employee ($) $6.3M
+8.1% YoY
+2.7% QoQ
 -$4.2M $10.5M $10.1M $8.8M 15%
Branch Count 39
+1 (+2.6%) YoY
0 QoQ
 +19 20 12 18 89%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.2% 0.3% 0.4% 25%
Nonaccrual 0.6%
+0.2pp YoY
0.0pp QoQ
 -0.2pp 0.8% 1.0% 1.0% 57%
Allowance Coverage 2.44x
-15.8% YoY
-2.1% QoQ
 -16.27x 18.71x 18.82x 20.23x 57%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.1% 0.2% 52%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 13.9%
+1.8pp YoY
+0.2pp QoQ
 +1.3pp 12.6% 13.2% 11.6% 65%
Cost of Funds (YTD) 1.2%
-0.2pp YoY
0.0pp QoQ
 -0.7pp 1.9% 1.6% 1.7% 11%
Net Income ($, YTD) $34.1M
+30.3% YoY
— QoQ
 +$14.9M $19.2M $15.9M $40.4M 85%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Deposit Franchise

growth
#10 of 80 • Top 11.2% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 36.74%
(Tier: 21.27%, National: 21.98%)
better than tier avg
Net Interest Margin: 5.25%
(Tier: 3.87%, National: 3.95%)
better than tier avg
80 of 80 Mid-Market banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Profitability Leader

growth
#61 of 222 • Top 27.0% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.08%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (1)

Credit Risk Growth

risk
#11 of 402 • Bottom 2.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (4 metrics)

35
Net Interest Margin
profitability
Value: 5.25%
Peer Median: 3.87%
#35 of 885 Top 3.8% in $1B-$10B
62
Non-Interest-Bearing Deposit Share
funding
Value: 36.74%
Peer Median: 21.27%
#62 of 885 Top 6.9% in $1B-$10B
85
Return on Assets
profitability
Value: 2.08%
Peer Median: 1.39%
#85 of 885 Top 9.5% in $1B-$10B
213
Total Loans
size
Value: $2.46B
Peer Median: $1.96B
#213 of 885 Top 24.0% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available
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