TEXAS NATIONAL BANK
TEXAS NATIONAL BANK is an FDIC-insured commercial bank headquartered in MERCEDES, TX, established in 1920. As of , 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 4.75%. CET1 capital ratio: 14.66%, well above regulatory minimums. NPL ratio: 0.29% · Texas Ratio: 2.40%. Operates 10 domestic branches.
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Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 14.66% | 1.53% | 0.29% | 2.40% | 4.75% |
| 2025-09-30 | 14.99% | 1.41% | 0.29% | 2.93% | 4.62% |
| 2025-06-30 | 15.14% | 1.41% | 0.35% | 2.87% | 4.58% |
| 2025-03-31 | 15.13% | 1.33% | 0.13% | 3.35% | 4.38% |
| 2024-12-31 | 15.11% | 1.04% | 0.31% | 2.88% | 4.71% |
| 2024-09-30 | 14.95% | 1.18% | 0.61% | 4.62% | 4.26% |
| 2024-06-30 | 15.95% | 1.14% | 0.64% | 4.73% | 4.09% |
| 2024-03-31 | 16.41% | 0.56% | 0.64% | 4.89% | 3.62% |
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Frequently asked about TEXAS NATIONAL BANK
What are Texas National Bank's total assets?
As of the Q4 2025 filing, Texas National Bank reported total assets of $1.18 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Texas National Bank headquartered?
Texas National Bank is headquartered in MERCEDES, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Texas National Bank founded?
Texas National Bank was established in 1920, per the FDIC institution directory.
Is Texas National Bank FDIC-insured?
Yes. Texas National Bank is an FDIC-insured commercial bank (FDIC Certificate #3337). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Texas National Bank?
Texas National Bank's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Texas National Bank's CET1 capital ratio?
Texas National Bank reported a Common Equity Tier 1 (CET1) capital ratio of 14.66% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Texas National Bank operate?
Texas National Bank operates 10 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Texas National Bank's Texas Ratio?
Texas National Bank's Texas Ratio is 2.40% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.