Agility Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Agility Bank, N.A. is an FDIC-insured commercial bank headquartered in Houston, TX, established in 2022 (FDIC certificate 59239), and it is supervised by the OCC. At Q2 2026 it reported total assets of $151.6M, up 14.4% from Q2 2025, the 279th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 19.99% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 59239
- Headquarters
- Houston, TX
- Established
- 2022
- Total assets, Q2 2026
- $151.6M
- Assets vs Q2 2025
- +14.4%
- Tier 1 leverage ratio, Q2 2026
- 19.99%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 113026243
- Latest call report
- Q2 2026, FFIEC 051 · Agility Bank, N.A. call report
- Asset rank in state
- 279th of 346 in Texas
Problem loans are rising at Agility Bank, N.A.. It reported $152 million in assets at June 30, 2026, up 14.4% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.18% of loans from 0.09% a year earlier. It loses about $0.34 a year on every $100 of assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also spends about 101 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
It lost $123,000 in the quarter. Over the same year, loans shrank 1.2% and deposits grew 19.9%. Funding is the softer spot: it pays an average of 2.63% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Agility Bank, N.A. reported a return on assets of -0.34%, a nonperforming-loan ratio of 1.18% and a Texas ratio of 3.86%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, Agility Bank, N.A. is the 279th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 5.3% to $151.6M, loans fell 3.3% and deposits rose 7.0%. The largest part of its loan book on June 30, 2026 was owner-occupied commercial real estate loans, at 31.6% of total loans, ahead of commercial and industrial loans at 28.8%. The FDIC Summary of Deposits lists a single office for it, in Houston, TX. Judged on its Q2 2026 call report, Agility Bank, N.A. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 2401 N Shepherd Dr, Houston, TX 77008
- County
- Harris
- Metro Area
- Houston-Pasadena-The Woodlands, TX
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 18, 2022
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 19
- Domestic deposits
- $120.3M
- Allowance for credit losses
- $1.8M
- Net charge-offs (YTD)
- $168K
- Average total assets
- $143.8M
- Average total loans
- $98.7M
- Average interest-bearing deposits
- $84.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 18, 2022
- FDIC Cert
- 59239
- Fed RSSD
- 5728916
- Website
- www.agility.bank →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Agility Bank, N.A. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Agility Bank, N.A.'s total assets ran between $74.9M (Q3 2023) and $151.6M (Q2 2026), and it earned a profit in 1 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$151.6M total assets against $132.5M; $122.9M total liabilities against $103.5M.
$98.1M net loans and leases against $99.4M; $120.3M total deposits against $100.3M.
$4.4M securities against $5.5M; $44.8M cash and balances due against $23.0M.
$2.2M total interest income against $2.2M; $758K total interest expense against $735K.
$1.4M net interest income against $1.5M.
$60K total noninterest income against $37K; $1.5M total noninterest expense against $1.7M.
$113K provision for credit losses against $11K.
-$123K net income against -$215K.
-0.34% return on assets against -0.67%; 4.07% net interest margin against 4.62%.
19.99% tier 1 leverage ratio against 22.48%.
Inside the full Agility Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeAgility Bank, N.A. rankings
Its closest position to the top of a national ranking is 1,614 of 3,640, for Texas Ratio; its furthest is 3,552 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -10.12% (Q4 2024) to 0.45% (Q4 2025) and its net interest margin ran from 4.07% (Q2 2026) to 5.63% (Q4 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.99% | -0.34% | 1.18% | 3.86% | 4.07% |
| Q1 2026 | 21.58% | -0.56% | 0.51% | 1.71% | 4.32% |
| Q4 2025 | 22.07% | 0.45% | 0.53% | 1.72% | 4.70% |
| Q3 2025 | 21.94% | -0.28% | 0.09% | 0.29% | 4.72% |
| Q2 2025 | 22.48% | -0.67% | 0.09% | 0.30% | 4.62% |
| Q1 2025 | 25.72% | -2.40% | 0.44% | 1.35% | 4.86% |
| Q4 2024 | 31.16% | -10.12% | 0.11% | 0.31% | 5.63% |
| Q3 2024 | 37.53% | -5.92% | 0.03% | 0.05% | 5.43% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Agility Bank, National Association | Houston , TX | 77008 | $120.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 354 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $1.4M approved, $713K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Agility Bank, N.A.
What are Agility Bank, N.A.'s total assets?
As of the Q2 2026 filing, Agility Bank, N.A. reported total assets of $151.6 million in its FFIEC call report.
Where is Agility Bank, N.A. headquartered?
It is headquartered in Houston, TX, United States.
When was Agility Bank, N.A. founded?
It was established in 2022, per the FDIC institution directory.
Is Agility Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #59239). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Agility Bank, N.A.?
Agility Bank, N.A.'s primary federal regulator is the OCC.
How many branches does Agility Bank, N.A. operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Agility Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 3.86% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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