Texas National Bank (Sweetwater, TX)
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Data as of · sourced from FFIEC call reports. How we update
Texas National Bank is an FDIC-insured commercial bank headquartered in Sweetwater, TX, established in 1995 (FDIC certificate 34014), and it is supervised by the OCC. At Q2 2026 it reported total assets of $139.1M, up 0.7% from Q2 2025, the 290th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 25.05% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 34014
- Headquarters
- Sweetwater, TX
- Established
- 1995
- Total assets, Q2 2026
- $139.1M
- Assets vs Q2 2025
- +0.7%
- CET1 ratio, Q2 2026
- 25.05%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 111317569
- Latest call report
- Q2 2026, FFIEC 051 · Texas National Bank call report
- Holding company
- MESA FINANCIAL CORPORATION
- Asset rank in state
- 290th of 346 in Texas
Texas National Bank spends more to run itself than most banks of its size. The Sweetwater, Texas bank had $139 million in assets at June 30, 2026. It earns about $0.39 a year on every $100 of assets, about a third the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 86 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Loans and deposits moved in opposite directions: over the year loans rose 18.3% and deposits fell 1.4%. Paper losses on its bond portfolio are shrinking: unrealized losses of $6.5 million equal 41% of Tier 1 capital, down from 57% a year earlier. Its margin is thin by comparison: it keeps 3.10 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Texas National Bank reported a CET1 capital ratio of 25.05%, a return on assets of 0.39%, 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.
Texas National Bank ranks as the 290th largest of the 346 banks based in Texas, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.4% to $139.1M, loans rose 15.0% and deposits fell 1.9%. 1-4 family residential loans made up 36.7% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 17.8%. Its 2 offices in the FDIC Summary of Deposits are in Sweetwater, TX and Tuscola, TX; its Sweetwater office books 67% of its branch deposits. By the capital ratios in its Q2 2026 call report, Texas National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 400 E Broadway St, Sweetwater, TX 79556
- County
- Nolan
- Metro Area
- Sweetwater, 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
- May 8, 1995
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 24
- Domestic deposits
- $128.1M
- Allowance for credit losses
- $600K
- Net charge-offs (YTD)
- $0
- Average total assets
- $147.5M
- Average total loans
- $39.1M
- Average interest-bearing deposits
- $81.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 8, 1995
- FDIC Cert
- 34014
- Fed RSSD
- 1435092
- SEC CIK
- 1937995 → filed by MESA FINANCIAL CORPORATION
- Website
- www.texasnational.bank →
- Parent Holding Company
- MESA FINANCIAL CORPORATION (RSSD 2299040)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Texas National Bank's total assets moved between a low of $138.1M (Q2 2025) and a high of $169.4M (Q4 2023) from Q3 2023 to Q2 2026, and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$139.1M total assets against $138.1M; $128.8M total liabilities against $130.7M.
$42.4M net loans and leases against $35.7M; $128.1M total deposits against $129.9M.
$79.7M securities against $82.4M; $8.4M cash and balances due against $11.4M.
$1.3M total interest income against $1.2M; $293K total interest expense against $344K.
$1.0M net interest income against $838K.
$237K total noninterest income against $238K; $1.1M total noninterest expense against $954K.
$0 provision for credit losses against $0.
$145K net income against $122K.
0.39% return on assets against 0.34%; 3.10% net interest margin against 2.60%.
25.05% CET1 capital ratio against 27.40%; 10.97% tier 1 leverage ratio against 10.94%.
Inside the full Texas National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeTexas National Bank rankings
Its closest position to the top of a national ranking is 148 of 2,134, for CET1 ratio; its furthest is 3,589 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.02% (Q3 2024) to 1.01% (Q3 2025) and its net interest margin ran from 1.99% (Q3 2024) to 3.10% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 25.05% | 0.39% | 0.00% | 0.00% | 3.10% |
| Q1 2026 | 28.44% | 0.33% | 0.00% | 0.00% | 2.86% |
| Q4 2025 | 28.34% | 0.61% | 0.00% | 0.00% | 2.95% |
| Q3 2025 | 28.66% | 1.01% | 0.00% | 0.00% | 2.85% |
| Q2 2025 | 27.40% | 0.34% | 0.00% | 0.00% | 2.60% |
| Q1 2025 | 27.61% | 0.18% | 0.00% | 0.00% | 2.34% |
| Q4 2024 | 25.74% | 0.12% | 0.00% | 0.00% | 2.18% |
| Q3 2024 | 25.42% | -0.02% | 0.00% | 0.00% | 1.99% |
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 |
|---|---|---|---|
| Texas National Bank (main office) | Sweetwater , TX | 79556 | $85.3M |
| Texas National Bank Tuscola Branch | Tuscola , TX | 79562 | $42.8M |
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 |
|---|---|---|---|
| March 1, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 2014 | Structure Change | Acquired First State Bank in Tuscola 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 344 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $345K approved, $345K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2014 (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 Texas National Bank
What are Texas National Bank's total assets?
As of the Q2 2026 filing, Texas National Bank reported total assets of $139.1 million in its FFIEC call report.
Where is Texas National Bank headquartered?
It is headquartered in Sweetwater, TX, United States.
When was Texas National Bank founded?
It was established in 1995, per the FDIC institution directory.
Is Texas National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34014). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Texas National Bank?
Texas National Bank's primary federal regulator is the OCC.
What is Texas National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 25.05% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Texas 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 Texas 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.
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