Texana Bank, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 16.61 percentage points higher than in Q1 2026, at 89.39%. Texana Bank, N.A. ranks 181st of 345 Texas banks on return on assets, in the lower half at 1.45% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Texana Bank, N.A. sits 0.19 points higher, at 1.45% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.06% |
| Equity capital to assets | 9.03% |
| Tangible equity to tangible assets | 9.03% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.36% |
| Non-performing assets ratio | 1.25% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 12.31% |
| Allowance for credit losses to loans | 1.22% |
| Reserve coverage of non-performing loans | 89.39% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.45% |
| Return on equity | 16.09% |
| Net interest margin | 4.26% |
| Efficiency ratio | 91.37% |
| Yield on earning assets | 6.38% |
| Cost of funds | 2.26% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 104.36% |
| Core deposits to total deposits | 67.91% |
| Brokered deposits to total deposits | 5.18% |
| Deposits to assets | 88.05% |
| Securities to assets | 1.81% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.21% | 10.21% | 11.37% | 8.35% | 0.66% |
| Q4 2023 | 10.25% | 10.25% | 11.46% | 8.55% | 0.71% |
| Q1 2024 | 10.35% | 10.35% | 11.60% | 8.51% | 0.99% |
| Q2 2024 | 10.10% | 10.10% | 11.34% | 8.47% | 1.33% |
| Q3 2024 | 10.34% | 10.34% | 11.59% | 8.26% | 1.37% |
| Q4 2024 | 11.13% | 11.13% | 12.38% | 8.79% | 1.06% |
| Q1 2025 | 10.80% | 10.80% | 12.05% | 8.84% | 1.18% |
| Q2 2025 | 11.00% | 11.00% | 12.25% | 8.97% | 1.30% |
| Q3 2025 | 10.56% | 10.56% | 11.81% | 8.97% | 1.55% |
| Q4 2025 | 10.38% | 10.38% | 11.59% | 9.08% | 2.27% |
| Q1 2026 | 10.33% | 10.33% | 11.56% | 9.02% | 1.25% |
| Q2 2026 | — | — | — | 9.06% | 1.45% |
Texana Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Texana Bank, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Texana Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3302) · FFIEC NIC profile (RSSD 809650)