The Big Bend Banks, N.A. dba Marfa National Bank
BankRegReports is independent of The Big Bend Banks, N.A. dba Marfa National Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
The Big Bend Banks, N.A. dba Marfa National Bank is an FDIC-insured commercial bank headquartered in Marfa, TX, established in 1907 (FDIC certificate 3320), and it is supervised by the OCC. At Q2 2026 it reported total assets of $165.4M, up 2.2% from Q2 2025, the 272nd largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 16.23% 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
- 3320
- Headquarters
- Marfa, TX
- Established
- 1907
- Total assets, Q2 2026
- $165.4M
- Assets vs Q2 2025
- +2.2%
- Tier 1 leverage ratio, Q2 2026
- 16.23%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 112304733
- Latest call report
- Q2 2026, FFIEC 051 · The Big Bend Banks, N.A. dba Marfa National Bank Q3 2026 call report, filed October 6, 2026 (preliminary)
- Holding company
- BIG BEND BANCSHARES CORPORATION
- Asset rank in state
- 272nd of 346 in Texas
The Big Bend Banks, N.A. dba Marfa National Bank, based in Marfa, Texas, reported $165 million in assets at June 30, 2026, up 2.2% from a year earlier. It pays an average of 0.23% on its deposits and borrowings, a small fraction of the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. It also funds 16.23% of its assets with Tier 1 capital, higher than about 9 in 10 banks its size (median 10.99%).
Net income for the quarter rose 13% from a year earlier, to $684,000. Over the same year, loans grew 7.4% and deposits shrank 0.6%.
As of June 30, 2026, The Big Bend Banks, N.A. dba Marfa National Bank reported a return on assets of 1.67%, 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.
The Big Bend Banks, N.A. dba Marfa National Bank ranks as the 272nd largest of the 346 banks based in Texas, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.5% to $165.4M, loans rose 1.1% and deposits fell 1.5%. The largest part of its loan book on June 30, 2026 was owner-occupied commercial real estate loans, at 45.8% of total loans, ahead of 1-4 family residential loans at 20.9%. Its 2 offices in the FDIC Summary of Deposits are in Marfa, TX and Presidio, TX; its Marfa office books 66% of its branch deposits. Judged on its Q2 2026 call report, The Big Bend Banks, N.A. dba Marfa National Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 301 South Highland Avenue, Marfa, TX 79843
- County
- Presidio
- 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 051
- Established
- May 2, 1907
- Former names
- Big Bend Banks, N.A. (2009)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 30
- Domestic deposits
- $140.9M
- Allowance for credit losses
- $585K
- Net charge-offs (YTD)
- $40K
- Average total assets
- $163.9M
- Average total loans
- $20.7M
- Average interest-bearing deposits
- $69.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3320
- Fed RSSD
- 362856
- Website
- www.marfanb.com →
- Parent Holding Company
- BIG BEND BANCSHARES CORPORATION (RSSD 1918081)
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, The Big Bend Banks, N.A. dba Marfa National Bank 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, The Big Bend Banks, N.A. dba Marfa National Bank's total assets ran between $152.4M (Q1 2024) and $169.4M (Q4 2025), 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
$165.4M total assets against $161.8M; $141.1M total liabilities against $142.0M.
$21.1M net loans and leases against $19.5M; $140.9M total deposits against $141.8M.
$119.6M securities against $104.5M; $19.0M cash and balances due against $32.1M.
$1.5M total interest income against $1.4M; $82K total interest expense against $118K.
$1.5M net interest income against $1.3M.
$364K total noninterest income against $350K; $1.2M total noninterest expense against $1.1M.
$0 provision for credit losses against $0.
$684K net income against $604K.
1.67% return on assets against 1.52%; 4.37% net interest margin against 3.94%.
16.23% tier 1 leverage ratio against 15.12%.
Inside the full The Big Bend Banks, N.A. dba Marfa National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Big Bend Banks, N.A. dba Marfa National Bank rankings
Its closest position to the top of a national ranking is 956 of 3,611, for ROA; its furthest is 3,559 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.35% (Q1 2025) to 1.84% (Q4 2025) and its net interest margin ran from 3.85% (Q1 2025) to 4.37% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.23% | 1.67% | 0.00% | 0.00% | 4.37% |
| Q1 2026 | 15.25% | 1.57% | 0.00% | 0.00% | 4.14% |
| Q4 2025 | 15.26% | 1.84% | 0.00% | 0.00% | 4.24% |
| Q3 2025 | 15.24% | 1.55% | 0.00% | 0.00% | 4.15% |
| Q2 2025 | 15.12% | 1.52% | 0.22% | 0.22% | 3.94% |
| Q1 2025 | 15.13% | 1.35% | 0.00% | 0.00% | 3.85% |
| Q4 2024 | 14.53% | 1.48% | 0.00% | 0.00% | 4.00% |
| Q3 2024 | 14.58% | 1.61% | 0.01% | 0.01% | 4.18% |
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 |
|---|---|---|---|
| Big Bend Banks, N.A. | Marfa , TX | 79843 | $93.6M |
| First Presidio Bank Branch | Presidio , TX | 79845 | $47.3M |
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 |
|---|---|---|---|
| January 12, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 12, 2008 | Structure Change | Acquired First Presidio Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 332 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $75K approved, $75K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2003 (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 The Big Bend Banks, N.A. dba Marfa National Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about The Big Bend Banks, N.A. dba Marfa National Bank
What are The Big Bend Banks, N.A. dba Marfa National Bank's total assets?
As of the Q2 2026 filing, The Big Bend Banks, N.A. dba Marfa National Bank reported total assets of $165.4 million in its FFIEC call report.
Where is The Big Bend Banks, N.A. dba Marfa National Bank headquartered?
It is headquartered in Marfa, TX, United States.
When was The Big Bend Banks, N.A. dba Marfa National Bank founded?
It was established in 1907, per the FDIC institution directory.
Is The Big Bend Banks, N.A. dba Marfa National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3320). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Big Bend Banks, N.A. dba Marfa National Bank?
The Big Bend Banks, N.A. dba Marfa National Bank's primary federal regulator is the OCC.
How many branches does The Big Bend Banks, N.A. dba Marfa National Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Big Bend Banks, N.A. dba Marfa National 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 The Big Bend Banks, N.A. dba Marfa National Bank previously called?
The charter now named The Big Bend Banks, N.A. dba Marfa National Bank has also operated as Big Bend Banks, N.A. (2009), per FDIC structure-change records.
Go deeper on The Big Bend Banks, N.A. dba Marfa National Bank.
Get an email when The Big Bend Banks, N.A. dba Marfa National Bank files its next call report, and benchmark it against any peer you choose.
Unlock The Big Bend Banks, N.A. dba Marfa National Bank, freeFree account