Austin Bank, Texas N.A.
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Data as of · sourced from FFIEC call reports. How we update
Austin Bank, Texas N.A. is an FDIC-insured commercial bank headquartered in Jacksonville, TX, established in 1900 (FDIC certificate 3276), and it is supervised by the OCC. At Q2 2026 it reported total assets of $3.33B, up 6.5% from Q2 2025, the 28th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 15.12% 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
- 3276
- Headquarters
- Jacksonville, TX
- Established
- 1900
- Total assets, Q2 2026
- $3.33B
- Assets vs Q2 2025
- +6.5%
- Tier 1 leverage ratio, Q2 2026
- 15.12%
- Domestic offices
- 39 FDIC institution directory, current count
- Routing number
- 113103276
- Latest call report
- Q2 2026, FFIEC 041 · Austin Bank, Texas N.A. call report
- Holding company
- AUSTIN BANCORP, INC.
- Asset rank in state
- 28th of 346 in Texas
Austin Bank, Texas N.A. earns an unusually wide margin on its lending. Based in Jacksonville, Texas, it had $3.3 billion in assets at June 30, 2026, up 6.5% from a year earlier. It keeps 5.34 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 3.71 cents). It also funds 15.12% of its assets with Tier 1 capital, higher than about 9 in 10 banks its size (median 10.52%).
Net income for the quarter rose 21% from a year earlier, to $18 million. Over the same year, loans grew 0.7% and deposits grew 5.4%. One more trend to watch: problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.60% of loans from 0.46% a year earlier.
As of June 30, 2026, Austin Bank, Texas N.A. reported a return on assets of 2.13%, a nonperforming-loan ratio of 0.60% and a Texas ratio of 3.19%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, Austin Bank, Texas N.A. is the 28th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.9% to $3.33B, loans fell 0.2% and deposits rose 2.0%. 1-4 family residential loans made up 37.3% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 18.4%. Its 39 offices in the FDIC Summary of Deposits are in 29 cities in TX; its Jacksonville 2 offices book 15% of its branch deposits. Judged on its Q2 2026 call report, Austin Bank, Texas N.A. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 200 E Commerce St, Jacksonville, TX 75766
- County
- Cherokee
- Metro Area
- Jacksonville, 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
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- October 1, 1900
- Domestic offices
- 39 FDIC institution directory, current count
- Employees (FTE)
- 533
- Domestic deposits
- $2.80B
- Allowance for credit losses
- $36.6M
- Net charge-offs (YTD)
- $576K
- Average total assets
- $3.30B
- Average total loans
- $2.49B
- Average interest-bearing deposits
- $1.75B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3276
- Fed RSSD
- 548351
- Website
- www.austinbank.com →
- Parent Holding Company
- AUSTIN BANCORP, INC. (RSSD 1108350)
- Ultimate Parent
- JSA FAMILY LIMITED PARTNERSHIP (RSSD 3035227)
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, Austin Bank, Texas 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, Austin Bank, Texas N.A.'s total assets ran between $2.76B (Q4 2023) and $3.33B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$3.33B total assets against $3.13B; $2.83B total liabilities against $2.68B.
$2.46B net loans and leases against $2.45B; $2.80B total deposits against $2.65B.
$466.7M securities against $269.0M; $260.7M cash and balances due against $265.8M.
$51.4M total interest income against $46.8M; $9.3M total interest expense against $10.4M.
$42.0M net interest income against $36.4M.
$6.0M total noninterest income against $6.5M; $24.7M total noninterest expense against $23.9M.
$1.2M provision for credit losses against $765K.
$17.5M net income against $14.5M.
2.13% return on assets against 1.85%; 5.34% net interest margin against 4.91%.
15.12% tier 1 leverage ratio against 14.10%.
Inside the full Austin Bank, Texas N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeAustin Bank, Texas N.A. rankings
Its closest position to the top of a national ranking is 377 of 4,196, for total assets; its furthest is 681 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.56% (Q1 2025) to 2.19% (Q4 2025) and its net interest margin ran from 4.51% (Q3 2024) to 5.34% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.12% | 2.13% | 0.60% | 3.19% | 5.34% |
| Q1 2026 | 15.03% | 2.05% | 0.57% | 3.26% | 5.07% |
| Q4 2025 | 14.53% | 2.19% | 0.60% | 3.47% | 5.06% |
| Q3 2025 | 14.36% | 2.02% | 0.53% | 3.29% | 5.00% |
| Q2 2025 | 14.10% | 1.85% | 0.48% | 3.15% | 4.91% |
| Q1 2025 | 14.30% | 1.56% | 0.48% | 2.86% | 4.62% |
| Q4 2024 | 14.31% | 1.83% | 0.47% | 2.50% | 4.63% |
| Q3 2024 | 14.37% | 1.62% | 0.46% | 2.44% | 4.51% |
Swipe the table sideways to see every column.
Branch Network
View all 39 branches → 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 |
|---|---|---|---|
| Austin Bank, Texas N.A. (main office) | Jacksonville , TX | 75766 | $363.0M |
| Kilgore Branch | Kilgore , TX | 75662 | $198.7M |
| Palestine Branch | Palestine , TX | 75801 | $163.1M |
| Frankston Branch | Frankston , TX | 75763 | $139.2M |
| Whitehouse Branch | Whitehouse , TX | 75791 | $128.4M |
| Rusk Branch | Rusk , TX | 75785 | $127.7M |
| Longview Oak Forest Branch | Longview , TX | 75604 | $102.8M |
| Tyler Cumberland Park Branch | Tyler , TX | 75703 | $99.6M |
| Nacogdoches Branch | Nacogdoches , TX | 75965 | $99.1M |
| Van Branch | Van , TX | 75790 | $81.9M |
| Longview Greggton Branch | Longview , TX | 75604 | $80.2M |
| Emory Branch | Emory , TX | 75440 | $78.7M |
| Bullard Branch | Bullard , TX | 75757 | $76.1M |
| Gladewater Branch | Gladewater , TX | 75647 | $75.6M |
| Tyler Med Center Branch | Tyler , TX | 75701 | $73.9M |
| South Tyler Branch | Tyler , TX | 75703 | $72.5M |
| Creekside Park Branch | The Woodlands , TX | 77375 | $68.2M |
| Big Sandy Branch | Big Sandy , TX | 75755 | $59.0M |
| Chasewood Branch | Houston , TX | 77070 | $58.8M |
| Downtown Tyler Branch | Tyler , TX | 75702 | $54.9M |
| Troup Branch | Troup , TX | 75789 | $53.2M |
| Grand Saline Branch | Grand Saline , TX | 75140 | $52.1M |
| South Jacksonville Branch | Jacksonville , TX | 75766 | $51.4M |
| Cleveland Branch | Cleveland , TX | 77327 | $45.0M |
| Longview East Loop Branch | Longview , TX | 75605 | $42.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 15, 2025 | Structure Change | Acquired The Chasewood Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 14, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 9, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 9, 2010 | Structure Change | Acquired First State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 16, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 16, 2008 | Structure Change | Acquired City National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 6, 2004 | Structure Change | Acquired First National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 5, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 10, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 10, 1999 | Structure Change | Acquired Austin Bank, Whitehouse, Texas, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 12, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 12, 1999 | Structure Change | Acquired Austin Bank, Big Sandy, Texas Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 15, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 15, 1999 | Structure Change | Acquired Austin Bank, Rusk, Texas Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 25, 1989 | Structure Change | Acquired Troup Bank & Trust Company Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 24, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 16 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in TX, rank 49 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 953 applications, 644 loans originated, $179.2M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $1.3M approved, $442K 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, 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 Austin Bank, Texas N.A.
What are Austin Bank, Texas N.A.'s total assets?
As of the Q2 2026 filing, Austin Bank, Texas N.A. reported total assets of $3.33 billion in its FFIEC call report.
Where is Austin Bank, Texas N.A. headquartered?
It is headquartered in Jacksonville, TX, United States.
When was Austin Bank, Texas N.A. founded?
It was established in 1900, per the FDIC institution directory.
Is Austin Bank, Texas N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3276). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Austin Bank, Texas N.A.?
Austin Bank, Texas N.A.'s primary federal regulator is the OCC.
How many branches does Austin Bank, Texas N.A. operate?
It operates 39 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Austin Bank, Texas N.A.'s Texas Ratio?
Its Texas Ratio is 3.19% 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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