TITAN BANK, N.A.

MINERAL WELLS, TX | Medium | Est. Jan. 1, 1907, midnight | FDIC #3225 | RSSD #328357 | OCC
Latest Report: 2025-12-31

TITAN BANK, N.A. is amn medium FDIC-insured commercial bank headquartered in MINERAL WELLS, TX, established in Jan. 1, 1907, midnight. As of 2025-12-31, the bank reported total assets of $820M and total deposits of $641M. Profitability stands at 12.21% ROA and 78.53% ROE, with a net interest margin of 4.57%. The bank's CET1 capital ratio is 18.58%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.31% and a Texas Ratio of 2.12%. FDIC Certificate #3225.

Assets

$820M

Deposits

$641M

Loans

$449M

Equity

$79M

Profitability

Return on Assets (ROA) 12.21%
Return on Equity (ROE) 78.53%
Net Interest Margin (NIM) 4.57%
Yield on Assets 6.23%
Cost of Funds 1.83%

Asset Quality

NPL Ratio 0.31%
Net Charge-Off Ratio 0.00%
Texas Ratio 2.12%
NPA Ratio 0.22%
ACL / Loans 1.20%

Capital & Liquidity

CET1 Ratio 18.58%
Tier 1 Capital 18.58%
Total Capital Ratio 19.79%
Leverage Ratio 9.64%
Loan-to-Deposit 70.06%

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