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Texas Republic Bank, National Association

$100M-$1B Specialty: Commercial TX FDIC cert 3400

Frisco, TX

6 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
  • Deposits +3.4% year over year ($389.2M on the books).
  • Delinquency rate 1.08%.
  • Return on assets 1.78%.
  • Efficiency ratio 53.97% vs a 64.48% peer average.
  • Loan-to-deposit ratio 112.18% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 219 in TX
View $100M-$1B leaderboard (TX) →

Texas Republic Bank, National Association has 3 strengths but faces 2 concerns

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

  • + Profitability Leader: Top 44.9% in tier
  • + Deposit Franchise: Top 56.1% in tier
  • + Efficiency Ratio 10.51% below tier average

Key Concerns

Areas that may need attention

  • - Loan-to-Deposit Ratio 34.23% above tier average
  • - Delinquency Rate 0.16% above tier average
Get updates when Texas Republic Bank, 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 ? $510.6M
+3.7% YoY -1.6% QoQ
+$124.1M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
73%
Total Loans ? $436.6M
+8.3% YoY +6.3% QoQ
+$178.2M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
83%
Total Deposits ? $389.2M
+3.4% YoY -1.7% QoQ
+$62.4M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
69%
Return on Assets ? 1.78%
+26.5% YoY +0.1% QoQ
+0.46% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
79%
Net Interest Margin ? 5.24%
+7.1% YoY +1.2% QoQ
+1.25% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
Top 5.1% in tier
Efficiency Ratio ? 53.97%
-10.7% YoY -1.1% QoQ
-10.51% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
75%
Delinquency Rate ? 1.08%
-43.5% YoY -9.9% QoQ
+0.16% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
26%
Loan-to-Deposit Ratio ? 112.18%
+4.7% YoY +8.2% QoQ
+34.23% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
Bottom 2.3% in tier
Non-Interest-Bearing Deposit Share ? 29.45%
-2.9% YoY -5.0% QoQ
+7.42% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
80%
Nonperforming Asset Ratio ? 1.11%
-29.0% YoY +10.6% QoQ
+0.44% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
18%
Tier 1 Capital Ratio ? 13.35%
+5.3% YoY -2.6% QoQ
-2.56% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
51%
Non-Interest Income / Assets ? 0.09%
-8.5% YoY +112.9% QoQ
-0.47% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
17%

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 29.4%
-0.9pp YoY
-1.5pp QoQ
 +7.3pp 22.1% 29.2% 22.2% 80%
Brokered Deposits n/a n/a 7.9% 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 11.7%
-1.9pp YoY
+0.4pp QoQ
 +0.1pp 11.6% 14.8% 12.5% 62%
CRE 69.4%
+6.7pp YoY
+0.1pp QoQ
 +29.9pp 39.5% 48.4% 41.4% 93%
1-4 Family 17.1%
-2.1pp YoY
-0.6pp QoQ
 -15.5pp 32.6% 25.8% 31.3% 24%
Consumer 0.4%
+0.1pp YoY
0.0pp QoQ
 -3.7pp 4.1% 4.7% 5.0% 13%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.7% 19.7% n/a
Leverage Ratio 13.3%
+0.7pp YoY
-0.4pp QoQ
 +1.2pp 12.2% 12.6% 12.6% 77%
Total Capital Ratio n/a n/a 19.9% 23.8% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 78
0 YoY
+2 (+2.6%) QoQ
 +19 58 186 482 76%
Assets per Employee ($) $6.5M
+3.7% YoY
-4.1% QoQ
 -$972K $7.5M $10.1M $8.8M 44%
Branch Count 6
0 YoY
0 QoQ
 +1 4 12 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual 1.1%
-0.4pp YoY
-0.1pp QoQ
 +0.1pp 0.9% 1.0% 1.0% 73%
Allowance Coverage 1.27x
+74.8% YoY
+11.3% QoQ
 -22.89x 24.15x 18.82x 20.23x 34%
Net Charge-off Rate (YTD) -0.0%
-0.1pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 9%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 13.2%
+2.2pp YoY
0.0pp QoQ
 +1.0pp 12.2% 13.2% 11.6% 57%
Cost of Funds (YTD) 2.1%
-0.2pp YoY
0.0pp QoQ
 +0.3pp 1.7% 1.6% 1.7% 74%
Net Income ($, YTD) $4.5M
+30.4% YoY
— QoQ
 +$2.0M $2.6M $15.9M $40.4M 84%

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)

Profitability Leader

growth
#298 of 661 • Top 44.9% in tier

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

Why this signature
Return on Assets: 1.78%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Deposit Franchise

growth
#157 of 278 • Top 56.1% 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: 29.45%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 5.24%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

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 2643 peers in $100M-$1B

Top Strengths (4 metrics)

135
Net Interest Margin
profitability
Value: 5.24%
Peer Median: 3.99%
#135 of 2643 Top 5.1% in $100M-$1B
459
Total Loans
size
Value: $436.57M
Peer Median: $258.35M
#459 of 2643 Top 17.3% in $100M-$1B
519
Non-Interest-Bearing Deposit Share
funding
Value: 29.45%
Peer Median: 22.03%
#519 of 2643 Top 19.6% in $100M-$1B
550
Return on Assets
profitability
Value: 1.78%
Peer Median: 1.32%
#550 of 2643 Top 20.8% in $100M-$1B

Top Weaknesses (3 metrics)

2583
Loan-to-Deposit Ratio
liquidity
Value: 112.18%
Peer Median: 77.95%
#2583 of 2643 Bottom 2.3% in $100M-$1B
2199
Non-Interest Income / Assets
revenue_mix
Value: 0.09%
Peer Median: 0.57%
#2199 of 2643 Bottom 16.8% in $100M-$1B
2169
Nonperforming Asset Ratio
credit_quality
Value: 1.11%
Peer Median: 0.67%
#2169 of 2643 Bottom 18.0% in $100M-$1B
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