Austin Bank, Texas N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 6.89 percentage points in Q2 2026, from 253.15% to 246.26%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Austin Bank, Texas N.A. is 53rd of 345 on return on assets, 2.13% as of Q2 2026, above the middle of the field. Against a median of 1.28% for banks in the $1B-10B asset tier, Austin Bank, Texas N.A. reported 2.13% on return on assets in Q2 2026, 0.85 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 15.12% |
| Equity capital to assets | 15.14% |
| Tangible equity to tangible assets | 14.80% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.59% |
| Non-performing assets ratio | 0.50% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 3.19% |
| Allowance for credit losses to loans | 1.46% |
| Reserve coverage of non-performing loans | 246.26% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.13% |
| Return on equity | 14.08% |
| Net interest margin | 5.34% |
| Efficiency ratio | 51.28% |
| Yield on earning assets | 6.53% |
| Cost of funds | 1.36% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.32% |
| Core deposits to total deposits | 91.26% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.00% |
| Securities to assets | 14.01% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 13.49% | 1.44% | 4.08% | 0.38% | 0.06% |
| Q4 2023 | 13.82% | 1.73% | 4.28% | 0.42% | 0.06% |
| Q1 2024 | 14.06% | 1.53% | 4.25% | 0.36% | 0.20% |
| Q2 2024 | 14.06% | 1.57% | 4.38% | 0.35% | 0.01% |
| Q3 2024 | 14.37% | 1.62% | 4.51% | 0.45% | 0.09% |
| Q4 2024 | 14.31% | 1.83% | 4.63% | 0.46% | 0.06% |
| Q1 2025 | 14.30% | 1.56% | 4.62% | 0.48% | 0.08% |
| Q2 2025 | 14.10% | 1.85% | 4.91% | 0.44% | 0.07% |
| Q3 2025 | 14.36% | 2.02% | 5.00% | 0.53% | 0.03% |
| Q4 2025 | 14.53% | 2.19% | 5.06% | 0.59% | 0.03% |
| Q1 2026 | 15.03% | 2.05% | 5.07% | 0.56% | 0.08% |
| Q2 2026 | 15.12% | 2.13% | 5.34% | 0.59% | 0.01% |
Austin Bank, Texas N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Austin Bank, Texas N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Austin Bank, Texas N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3276) · FFIEC NIC profile (RSSD 548351)