Avana Bank
BankRegReports is independent of Avana Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Avana Bank is an FDIC-insured commercial bank headquartered in Abilene, TX, established in 1903 (FDIC certificate 10704), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $39.6M, up 3.2% from Q2 2025, the 343rd largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 17.52% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 10704
- Headquarters
- Abilene, TX
- Established
- 1903
- Total assets, Q2 2026
- $39.6M
- Assets vs Q2 2025
- +3.2%
- Tier 1 leverage ratio, Q2 2026
- 17.52%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 111311743
- Latest call report
- Q2 2026, FFIEC 051 · Avana Bank call report
- Holding company
- ABILENE HOLDCO, INC.
- Asset rank in state
- 343rd of 346 in Texas
Avana Bank spends more to run itself than most banks of its size. Based in Abilene, Texas, it had $40 million in assets at June 30, 2026, up 3.2% from a year earlier. It loses about $0.51 a year on every $100 of assets, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median $1.06). On the other hand, it keeps 5.24 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.87 cents).
It lost $51,000 in the quarter. Over the same year, loans grew 35.9% and deposits grew 3.2%. Costs are the weak spot: it spends about 105 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 69 cents).
As of June 30, 2026, Avana Bank reported a return on assets of -0.51%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Avana Bank ranks as the 343rd largest of the 346 banks based in Texas, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.8% to $39.6M, loans fell 2.9% and deposits rose 1.2%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 54.9% of total loans, followed by commercial and industrial loans at 14.1%. Its 2 offices in the FDIC Summary of Deposits are in Abilene, TX and Menard, TX; its Abilene office books 81% of its branch deposits. By the capital ratios in its Q2 2026 call report, Avana Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 2118 S Treadaway Blvd, Abilene, TX 79602
- County
- Taylor
- Metro Area
- Abilene, TX
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 3, 1903
- Former names
- First State Bank (2004-2024)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 10
- Domestic deposits
- $30.6M
- Allowance for credit losses
- $136K
- Net charge-offs (YTD)
- $0
- Average total assets
- $39.9M
- Average total loans
- $14.5M
- Average interest-bearing deposits
- $16.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10704
- Fed RSSD
- 498456
- SEC CIK
- 1894787 → filed by ABILENE HOLDCO, INC.
- Website
- www.avana.bank →
- Parent Holding Company
- ABILENE HOLDCO, INC. (RSSD 5530605)
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, Avana Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Avana Bank's total assets moved between a low of $35.0M (Q3 2023) and a high of $41.8M (Q1 2025) from Q3 2023 to Q2 2026, and it earned a profit in 5 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$39.6M total assets against $38.3M; $30.8M total liabilities against $29.8M.
$14.2M net loans and leases against $10.4M; $30.6M total deposits against $29.6M.
$5.3M securities against $1.1M; $15.7M cash and balances due against $22.4M.
$475K total interest income against $448K; $81K total interest expense against $111K.
$394K net interest income against $337K.
$47K total noninterest income against $24K; $468K total noninterest expense against $477K.
$10K provision for credit losses against $0.
-$51K net income against -$121K.
-0.51% return on assets against -1.25%; 5.24% net interest margin against 4.65%.
17.52% tier 1 leverage ratio against 17.42%.
Inside the full Avana Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeQuarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -1.67% (Q4 2024) to 4.14% (Q4 2025) and its net interest margin ran from 3.81% (Q4 2024) to 5.24% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.52% | -0.51% | 0.00% | 0.00% | 5.24% |
| Q1 2026 | 17.38% | -0.33% | 0.00% | 0.00% | 5.13% |
| Q4 2025 | 18.75% | 4.14% | 0.00% | 0.00% | 4.07% |
| Q3 2025 | 17.27% | -1.17% | 0.00% | 0.00% | 4.43% |
| Q2 2025 | 17.42% | -1.25% | 0.05% | 0.08% | 4.65% |
| Q1 2025 | 16.56% | -0.77% | 0.00% | 0.00% | 3.91% |
| Q4 2024 | 17.46% | -1.67% | 0.00% | 0.00% | 3.81% |
| Q3 2024 | 17.94% | 0.03% | 0.00% | 0.00% | 4.47% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| Avana Bank (main office) | Abilene , TX | 79602 | $24.8M |
| Menard Branch | Menard , TX | 76859 | $5.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 432 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $135K approved, $135K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (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
Add this badge to your website
Free to use. It shows Avana Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Avana Bank
What are Avana Bank's total assets?
As of the Q2 2026 filing, Avana Bank reported total assets of $39.6 million in its FFIEC call report.
Where is Avana Bank headquartered?
It is headquartered in Abilene, TX, United States.
When was Avana Bank founded?
It was established in 1903, per the FDIC institution directory.
Is Avana Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10704). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Avana Bank?
Avana Bank's primary federal regulator is the Federal Reserve.
How many branches does Avana Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Avana Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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.
What was Avana Bank previously called?
The charter now named Avana Bank has also operated as First State Bank (2004-2024), per FDIC structure-change records.
Go deeper on Avana Bank.
Get an email when Avana Bank files its next call report, and benchmark it against any peer you choose.
Unlock Avana Bank, freeFree account