Banks TEXAS NATIONAL BANK

TEXAS NATIONAL BANK

MERCEDES, TX Large Est. Nov. 26, 1920, midnight FDIC #3337 RSSD #497954 OCC
Latest · 2025-12-31

TEXAS NATIONAL BANK is an FDIC-insured commercial bank headquartered in MERCEDES, TX, established in Nov. 26, 1920, midnight. As of 2025-12-31, the bank reported total assets of $1.2B and total deposits of $1.0B. Profitability stands at 1.53% ROA and 15.96% ROE, with a net interest margin of 4.51%. CET1 capital ratio: 14.66%, well above regulatory minimums. NPL ratio: 0.27% · Texas Ratio: 2.27%.

Assets
$1.2B
Deposits
$1.0B
Loans
$736M
Equity
$111M

Profitability

Return on Assets (ROA)1.53%
Return on Equity (ROE)15.96%
Net Interest Margin4.51%
Yield on Assets6.69%
Cost of Funds2.23%

Asset Quality

NPL Ratio0.27%
Net Charge-Off Ratio0.02%
Texas Ratio2.27%
NPA Ratio0.23%
ACL / Loans1.44%

Capital & Liquidity

CET1 Ratio14.66%
Tier 1 Capital14.66%
Total Capital Ratio15.91%
Leverage Ratio10.67%
Loan-to-Deposit73.06%

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