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Texas National Bank

$100M-$1B Specialty: Other TX FDIC cert 34014

Designations: ✓ CDFI-certified

Sweetwater, TX

2 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 -1.4% year over year ($128.1M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 0.38%.
  • Efficiency ratio 88.98% vs a 64.48% peer average.
  • Loan-to-deposit ratio 33.10% 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 National Bank has 3 strengths but faces 4 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

  • + Credit Quality Leader: Top 42.8% in tier
  • + Non-Interest-Bearing Deposit Share 14.59% above tier average
  • + Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 8.1% in tier
  • - Return on Assets 0.94% below tier average
  • - Efficiency Ratio 24.50% above tier average
  • - Net Interest Margin 0.91% below tier average
Get updates when Texas National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $139.1M
+0.7% YoY -1.4% QoQ
-$247.5M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
Bottom 11.0% in tier
Total Loans ? $42.4M
+18.6% YoY +15.3% QoQ
-$215.9M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
Bottom 1.7% in tier
Total Deposits ? $128.1M
-1.4% YoY -1.9% QoQ
-$198.7M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
15%
Return on Assets ? 0.38%
+40.2% YoY +9.8% QoQ
-0.94% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
Bottom 9.3% in tier
Net Interest Margin ? 3.08%
+20.9% YoY +4.9% QoQ
-0.91% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
Bottom 12.1% in tier
Efficiency Ratio ? 88.98%
-4.7% YoY -0.6% QoQ
+24.50% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
Bottom 6.3% in tier
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 33.10%
+20.3% YoY +17.5% QoQ
-44.85% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
Top 2.2% in tier
Non-Interest-Bearing Deposit Share ? 36.62%
+0.5% YoY -1.2% QoQ
+14.59% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
Top 7.7% in tier
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 25.05%
-8.6% YoY -11.9% QoQ
+9.14% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
Top 6.8% in tier
Non-Interest Income / Assets ? 0.33%
-0.5% YoY +109.1% QoQ
-0.24% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
77%

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 36.6%
+0.2pp YoY
-0.4pp QoQ
 +14.5pp 22.1% 29.2% 22.2% 92%
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 18.1%
-6.3pp YoY
-5.1pp QoQ
 +6.5pp 11.6% 14.8% 12.5% 84%
CRE 21.7%
+8.6pp YoY
+5.3pp QoQ
 -17.9pp 39.5% 48.4% 41.4% 21%
1-4 Family 37.2%
+2.1pp YoY
+3.5pp QoQ
 +4.6pp 32.6% 25.8% 31.3% 66%
Consumer 4.2%
-1.4pp YoY
-0.7pp QoQ
 +0.1pp 4.1% 4.7% 5.0% 71%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio 25.1%
-2.3pp YoY
-3.4pp QoQ
 +6.2pp 18.8% 22.7% 19.7% 89%
Leverage Ratio 11.0%
0.0pp YoY
0.0pp QoQ
 -1.2pp 12.2% 12.6% 12.6% 50%
Total Capital Ratio 26.0%
-2.5pp YoY
-3.5pp QoQ
 +6.1pp 19.9% 23.8% 20.8% 89%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 24
0 YoY
0 QoQ
 -35 58 186 482 17%
Assets per Employee ($) $5.8M
+0.7% YoY
-1.4% QoQ
 -$1.7M $7.5M $10.1M $8.8M 29%
Branch Count 2
0 YoY
0 QoQ
 -3 4 12 18 11%

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 n/a n/a 0.9% 1.0% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 18.82x 20.23x n/a
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 5.3%
-0.2pp YoY
+0.4pp QoQ
 -6.9pp 12.2% 13.2% 11.6% 14%
Cost of Funds (YTD) 0.9%
-0.3pp YoY
0.0pp QoQ
 -0.8pp 1.7% 1.6% 1.7% 9%
Net Income ($, YTD) $267,000
+39.8% YoY
— QoQ
 -$2.3M $2.6M $15.9M $40.4M 6%

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 (1)

Credit Quality Leader

growth
#283 of 659 • Top 42.8% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (1)

Flatlined Growth

risk
#44 of 529 • Bottom 8.1% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.38%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank declining

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 (6 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
59
Loan-to-Deposit Ratio
liquidity
Value: 33.10%
Peer Median: 77.95%
#59 of 2643 Top 2.2% in $100M-$1B
181
Tier 1 Capital Ratio
capital
Value: 25.05%
Peer Median: 15.91%
#181 of 2643 Top 6.8% in $100M-$1B
205
Non-Interest-Bearing Deposit Share
funding
Value: 36.62%
Peer Median: 22.03%
#205 of 2643 Top 7.7% in $100M-$1B
611
Non-Interest Income / Assets
revenue_mix
Value: 0.33%
Peer Median: 0.57%
#611 of 2643 Top 23.1% in $100M-$1B

Top Weaknesses (6 metrics)

2599
Total Loans
size
Value: $42.40M
Peer Median: $258.35M
#2599 of 2643 Bottom 1.7% in $100M-$1B
2477
Efficiency Ratio
profitability
Value: 88.98%
Peer Median: 64.48%
#2477 of 2643 Bottom 6.3% in $100M-$1B
2397
Return on Assets
profitability
Value: 0.38%
Peer Median: 1.32%
#2397 of 2643 Bottom 9.3% in $100M-$1B
2353
Total Assets
size
Value: $139.10M
Peer Median: $386.57M
#2353 of 2643 Bottom 11.0% in $100M-$1B
2325
Net Interest Margin
profitability
Value: 3.08%
Peer Median: 3.99%
#2325 of 2643 Bottom 12.1% in $100M-$1B
2246
Total Deposits
size
Value: $128.08M
Peer Median: $326.73M
#2246 of 2643 Bottom 15.1% in $100M-$1B
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