The Mint National Bank
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Data as of · sourced from FFIEC call reports. How we update
The Mint National Bank is an FDIC-insured commercial bank headquartered in Kingwood, TX, established in 2009 (FDIC certificate 58764), and it is supervised by the OCC. At Q2 2026 it reported total assets of $388.9M, down 4.3% from Q2 2025, the 185th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 18.35% 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
- 58764
- Headquarters
- Kingwood, TX
- Established
- 2009
- Total assets, Q2 2026
- $388.9M
- Assets vs Q2 2025
- -4.3%
- Tier 1 leverage ratio, Q2 2026
- 18.35%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 113025972
- Latest call report
- Q2 2026, FFIEC 051 · The Mint National Bank call report
- Holding company
- MINT HOLDINGS, INC., THE
- Asset rank in state
- 185th of 346 in Texas
Problem loans are rising at The Mint National Bank. Its balance sheet stood at $389 million at June 30, 2026, down 4.3% from a year earlier; it is based in Kingwood, Texas. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.78% of loans from 2.00% a year earlier. It pays an average of 3.06% on its deposits and borrowings, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). On the other hand, it funds 18.35% of its assets with Tier 1 capital, higher than about 9 in 10 banks its size (median 10.99%).
The commercial and industrial book ($37 million) is worsening: 8.97% of it is past due or on nonaccrual, up from 5.33% a year earlier. Its $127 million non-owner-occupied commercial real estate book is improving, with 3.72% past due or on nonaccrual, down from 12.06% a year earlier. Credit is the area to watch: it carries problem assets equal to 21.7% of the capital and reserves that would absorb them, 8.2 times the median of 2.6% for banks its size.
As of June 30, 2026, The Mint National Bank reported a return on assets of 1.58%, a nonperforming-loan ratio of 2.78% and a Texas ratio of 21.67%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Mint National Bank is the 185th largest of the 346 banks headquartered in Texas. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.0% to $388.9M, loans rose 0.5% and deposits fell 1.8%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 40.2% of total loans, followed by owner-occupied commercial real estate loans at 23.8%. The FDIC Summary of Deposits lists a single office for it, in Kingwood, TX. By the capital ratios in its Q2 2026 call report, The Mint National Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1213 Kingwood Dr, Kingwood, TX 77339
- County
- Harris
- Metro Area
- Houston-Pasadena-The Woodlands, TX
- 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 5, 2009
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 40
- Domestic deposits
- $306.5M
- Allowance for credit losses
- $8.1M
- Net charge-offs (YTD)
- -$12K
- Average total assets
- $387.8M
- Average total loans
- $316.1M
- Average interest-bearing deposits
- $280.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 5, 2009
- FDIC Cert
- 58764
- Fed RSSD
- 3821626
- SEC CIK
- 1707050 → filed by MINT HOLDINGS, INC., THE
- Website
- www.themint.bank →
- Parent Holding Company
- MINT HOLDINGS, INC., THE (RSSD 5005626)
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 Mint 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 Mint National Bank's total assets ran between $388.9M (Q2 2026) and $445.5M (Q4 2024), 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
$388.9M total assets against $406.6M; $317.8M total liabilities against $340.7M.
$309.0M net loans and leases against $318.7M; $306.5M total deposits against $327.0M.
$0 securities against $0; $61.8M cash and balances due against $69.1M.
$6.9M total interest income against $7.9M; $2.4M total interest expense against $3.0M.
$4.6M net interest income against $4.9M.
$574K total noninterest income against $694K; $3.2M total noninterest expense against $3.3M.
$0 provision for credit losses against $330K.
$1.5M net income against $1.5M.
1.58% return on assets against 1.52%; 4.83% net interest margin against 4.96%.
18.35% tier 1 leverage ratio against 16.16%.
Inside the full The Mint National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
The Mint National Bank rankings
Its closest position to the top of a national ranking is 139 of 3,640, for Texas Ratio; its furthest is 2,083 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.23% (Q1 2025) to 1.97% (Q4 2025) and its net interest margin ran from 4.36% (Q3 2024) to 4.97% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.35% | 1.58% | 2.78% | 21.67% | 4.83% |
| Q1 2026 | 17.65% | 1.32% | 3.34% | 17.87% | 4.84% |
| Q4 2025 | 17.08% | 1.97% | 3.58% | 21.11% | 4.75% |
| Q3 2025 | 16.68% | 1.32% | 1.89% | 17.94% | 4.97% |
| Q2 2025 | 16.16% | 1.52% | 2.00% | 19.25% | 4.96% |
| Q1 2025 | 14.70% | 1.23% | 1.95% | 19.96% | 4.40% |
| Q4 2024 | 14.93% | 1.37% | 4.27% | 21.07% | 4.52% |
| Q3 2024 | 14.74% | 1.47% | 4.81% | 23.63% | 4.36% |
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 |
|---|---|---|---|
| The Mint National Bank | Kingwood , TX | 77339 | $306.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 238 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 7 loans, $18.1M approved, $2.6M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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 The Mint National Bank
What are The Mint National Bank's total assets?
As of the Q2 2026 filing, The Mint National Bank reported total assets of $388.9 million in its FFIEC call report.
Where is The Mint National Bank headquartered?
It is headquartered in Kingwood, TX, United States.
When was The Mint National Bank founded?
It was established in 2009, per the FDIC institution directory.
Is The Mint National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58764). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Mint National Bank?
The Mint National Bank's primary federal regulator is the OCC.
How many branches does The Mint National 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 The Mint National Bank's Texas Ratio?
Its Texas Ratio is 21.67% 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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