Johnson City Bank
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Data as of · sourced from FFIEC call reports. How we update
Johnson City Bank is an FDIC-insured commercial bank headquartered in Johnson City, TX, established in 1944 (FDIC certificate 16176), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $146.8M, up 9.9% from Q2 2025, the 284th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.57% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 16176
- Headquarters
- Johnson City, TX
- Established
- 1944
- Total assets, Q2 2026
- $146.8M
- Assets vs Q2 2025
- +9.9%
- Tier 1 leverage ratio, Q2 2026
- 12.57%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 114922090
- Holding company
- PEDERNALES INVESTMENT CORPORATION
- Asset rank in state
- 284th of 346 in Texas
Johnson City Bank, based in Johnson City, Texas, reported $147 million in assets at June 30, 2026, up 9.9% from a year earlier. It holds commercial real estate loans equal to only 32% of its capital, a small fraction of the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also grew deposits 10.9% over the year, about triple the median of 4.0% for banks its size.
Deposits are coming in faster than loans: over the year loans rose 4.1% and deposits rose 10.9%. Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.26% of loans from 0.55%. One more trend to watch: net income for the quarter slipped 17% from a year earlier, to $403,000.
As of June 30, 2026, Johnson City Bank reported a return on assets of 1.09%, a nonperforming-loan ratio of 0.26% and a Texas ratio of 1.20%. The figures come from its call report filed with the FFIEC.
Johnson City Bank ranks as the 284th largest of the 346 banks based in Texas, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 1.3% to $146.8M, loans rose 0.4% and deposits fell 1.5%. 1-4 family residential loans made up 55.0% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 19.9%. Its one office in the FDIC Summary of Deposits is in Johnson City, TX. Judged on its Q2 2026 call report, Johnson City Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 100 E Pecan Dr, Johnson City, TX 78636
- County
- Blanco
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- August 1, 1944
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 24
- Domestic deposits
- $128.8M
- Allowance for credit losses
- $952K
- Net charge-offs (YTD)
- $242K
- Average total assets
- $148.5M
- Average total loans
- $87.2M
- Average interest-bearing deposits
- $83.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 1, 1944
- FDIC Cert
- 16176
- Fed RSSD
- 977652
- Website
- www.j-cbank.com →
- Parent Holding Company
- PEDERNALES INVESTMENT CORPORATION (RSSD 1105630)
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, Johnson City Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Johnson City Bank's total assets ranged from $133.1M (Q1 2025) to $148.8M (Q1 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
$146.8M total assets against $133.6M; $129.1M total liabilities against $116.4M.
$86.2M net loans and leases against $82.8M; $128.8M total deposits against $116.1M.
$19.4M securities against $18.5M; $38.5M cash and balances due against $29.5M.
$1.9M total interest income against $1.7M; $473K total interest expense against $436K.
$1.5M net interest income against $1.3M.
$79K total noninterest income against $78K; $971K total noninterest expense against $900K.
$162K provision for credit losses against -$1K.
$403K net income against $484K.
1.09% return on assets against 1.45%; 4.02% net interest margin against 4.00%.
12.57% tier 1 leverage ratio against 13.74%.
Inside the full Johnson City Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeJohnson City Bank rankings
Its closest position to the top of a national ranking is 2,168 of 3,606, for efficiency ratio; its furthest is 3,318 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.09% (Q2 2026) to 1.58% (Q4 2024) and its net interest margin ran from 3.92% (Q3 2024) to 4.06% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.57% | 1.09% | 0.26% | 1.20% | 4.02% |
| Q1 2026 | 13.07% | 1.50% | 0.47% | 2.16% | 3.99% |
| Q4 2025 | 13.21% | 1.47% | 0.57% | 2.67% | 4.06% |
| Q3 2025 | 13.48% | 1.25% | 0.60% | 2.71% | 4.04% |
| Q2 2025 | 13.74% | 1.45% | 0.55% | 2.52% | 4.00% |
| Q1 2025 | 13.63% | 1.37% | 0.28% | 1.30% | 3.95% |
| Q4 2024 | 13.29% | 1.58% | 0.29% | 1.41% | 3.97% |
| Q3 2024 | 13.02% | 1.46% | 0.29% | 1.40% | 3.92% |
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 |
|---|---|---|---|
| Johnson City Bank (main office) | Johnson City , TX | 78636 | $128.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 342 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Johnson City Bank
What are Johnson City Bank's total assets?
As of the Q2 2026 filing, Johnson City Bank reported total assets of $146.8 million in its FFIEC call report.
Where is Johnson City Bank headquartered?
It is headquartered in Johnson City, TX, United States.
When was Johnson City Bank founded?
It was established in 1944, per the FDIC institution directory.
Is Johnson City Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16176). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Johnson City Bank?
Johnson City Bank's primary federal regulator is the FDIC.
How many branches does Johnson City Bank 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 Johnson City Bank's Texas Ratio?
Its Texas Ratio is 1.20% 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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