Texas National Bank: 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.
Loan-to-deposit ratio climbed 4.93 percentage points in Q2 2026, from 28.64% to 33.57%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Texas National Bank is 27th from the bottom among 345 Texas banks, 0.39% (Q2 2026). Texas National Bank's return on assets of 0.39% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.85 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 25.05% |
| Tier 1 risk-based capital ratio | 25.05% |
| Total risk-based capital ratio | 25.99% |
| Tier 1 leverage ratio | 10.97% |
| Equity capital to assets | 7.37% |
| Tangible equity to tangible assets | 6.91% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.40% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.39% |
| Return on equity | 5.81% |
| Net interest margin | 3.10% |
| Efficiency ratio | 85.88% |
| Yield on earning assets | 3.95% |
| Cost of funds | 0.91% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 33.57% |
| Core deposits to total deposits | 93.28% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 92.08% |
| Securities to assets | 57.27% |
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 | 25.42% | 25.42% | 26.47% | 8.73% | -0.05% |
| Q4 2023 | 25.91% | 25.91% | 26.99% | 8.75% | -0.05% |
| Q1 2024 | 25.85% | 25.85% | 26.92% | 8.76% | 0.05% |
| Q2 2024 | 25.44% | 25.44% | 26.50% | 9.24% | 0.13% |
| Q3 2024 | 25.42% | 25.42% | 26.49% | 10.11% | -0.02% |
| Q4 2024 | 25.74% | 25.74% | 26.82% | 10.18% | 0.12% |
| Q1 2025 | 27.61% | 27.61% | 28.67% | 10.34% | 0.18% |
| Q2 2025 | 27.40% | 27.40% | 28.46% | 10.94% | 0.34% |
| Q3 2025 | 28.66% | 28.66% | 29.74% | 11.00% | 1.01% |
| Q4 2025 | 28.34% | 28.34% | 29.42% | 11.05% | 0.61% |
| Q1 2026 | 28.44% | 28.44% | 29.52% | 11.00% | 0.33% |
| Q2 2026 | 25.05% | 25.05% | 25.99% | 10.97% | 0.39% |
Texas National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Texas National Bank, 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 Texas National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34014) · FFIEC NIC profile (RSSD 1435092)