Llano National Bank
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Data as of · sourced from FFIEC call reports. How we update
Llano National Bank is an FDIC-insured commercial bank headquartered in Llano, TX, established in 1983 (FDIC certificate 24305), and it is supervised by the OCC. At Q2 2026 it reported total assets of $301.1M, down 0.2% from Q2 2025, the 214th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.11% 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
- 24305
- Headquarters
- Llano, TX
- Established
- 1983
- Total assets, Q2 2026
- $301.1M
- Assets vs Q2 2025
- -0.2%
- Tier 1 leverage ratio, Q2 2026
- 13.11%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 114911506
- Latest call report
- Q2 2026, FFIEC 051 · Llano National Bank call report
- Holding company
- HILL COUNTRY BANCSHARES, INC.
- Asset rank in state
- 214th of 346 in Texas
Llano National Bank, based in Llano, Texas, reported $301 million in assets at June 30, 2026. It lost 0.9% of its deposits over the year, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 4.0%). It also funds 13.11% of its assets with Tier 1 capital, higher than about three-quarters of banks its size (median 10.99%).
Delinquency has appeared in its $27 million non-owner-occupied commercial real estate book: 2.15% of those loans are past due or on nonaccrual, against almost none a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $10 million equal 26% of Tier 1 capital, down from 39% a year earlier.
As of June 30, 2026, Llano National Bank reported a return on assets of 1.09%, a nonperforming-loan ratio of 0.45% and a Texas ratio of 2.22%. The figures come from its call report filed with the FFIEC.
Llano National Bank ranks as the 214th largest of the 346 banks based in Texas, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 3.3% to $301.1M, loans fell 1.2% and deposits fell 4.0%. 1-4 family residential loans made up 38.8% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 17.0%. The FDIC Summary of Deposits lists 5 offices for it, in 4 cities in TX; its Llano 2 offices book 66% of its branch deposits. By the capital ratios in its Q2 2026 call report, Llano National Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1001 Ford St, Llano, TX 78643
- County
- Llano
- 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
- —
- Call Report form
- FFIEC 051
- Established
- January 17, 1983
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 45
- Domestic deposits
- $265.9M
- Allowance for credit losses
- $3.3M
- Net charge-offs (YTD)
- $168K
- Average total assets
- $303.9M
- Average total loans
- $175.2M
- Average interest-bearing deposits
- $181.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 17, 1983
- FDIC Cert
- 24305
- Fed RSSD
- 946555
- Website
- www.llanonational.bank →
- Parent Holding Company
- HILL COUNTRY BANCSHARES, INC. (RSSD 4575047)
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, Llano National 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, Llano National Bank's total assets ranged from $289.0M (Q4 2024) to $319.4M (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
$301.1M total assets against $301.7M; $269.5M total liabilities against $276.1M.
$170.3M net loans and leases against $163.1M; $265.9M total deposits against $268.3M.
$95.9M securities against $98.4M; $11.6M cash and balances due against $18.3M.
$3.7M total interest income against $3.6M; $992K total interest expense against $1.1M.
$2.7M net interest income against $2.5M.
$347K total noninterest income against $312K; $2.2M total noninterest expense against $1.9M.
No provision recorded in the last 12 quarters.
$831K net income against $781K.
1.09% return on assets against 1.05%; 3.86% net interest margin against 3.56%.
13.11% tier 1 leverage ratio against 12.45%.
Inside the full Llano National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeLlano National Bank rankings
Its closest position to the top of a national ranking is 2,454 of 4,196, for total assets; its furthest is 2,655 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.96% (Q1 2026) to 1.09% (Q2 2026) and its net interest margin ran from 3.32% (Q3 2024) to 3.86% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.11% | 1.09% | 0.45% | 2.22% | 3.86% |
| Q1 2026 | 12.37% | 0.96% | 0.43% | 2.19% | 3.66% |
| Q4 2025 | 12.67% | 1.05% | 0.79% | 3.87% | 3.77% |
| Q3 2025 | 12.62% | 1.04% | 0.73% | 3.71% | 3.65% |
| Q2 2025 | 12.45% | 1.05% | 0.53% | 3.00% | 3.56% |
| Q1 2025 | 12.17% | 1.06% | 0.58% | 3.45% | 3.45% |
| Q4 2024 | 12.18% | 1.00% | 0.58% | 3.46% | 3.41% |
| Q3 2024 | 12.02% | 1.06% | 0.56% | 3.11% | 3.32% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| Llano National Bank (main office) | Llano , TX | 78643 | $175.8M |
| Burnet Branch | Burnet , TX | 78611 | $60.2M |
| Lake Buchanan Branch | Buchanan Dam , TX | 78609 | $27.7M |
| Hill Country National Bank Branch | Marble Falls , TX | 78654 | $2.3M |
| North Branch | Llano , TX | 78643 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 257 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $80K approved, $80K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2006 (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
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Frequently asked about Llano National Bank
What are Llano National Bank's total assets?
As of the Q2 2026 filing, Llano National Bank reported total assets of $301.1 million in its FFIEC call report.
Where is Llano National Bank headquartered?
It is headquartered in Llano, TX, United States.
When was Llano National Bank founded?
It was established in 1983, per the FDIC institution directory.
Is Llano National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #24305). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Llano National Bank?
Llano National Bank's primary federal regulator is the OCC.
How many branches does Llano National Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Llano National Bank's Texas Ratio?
Its Texas Ratio is 2.22% 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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