Texas National Bank (McAllen, 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 McAllen, TX, established in 1920 (FDIC certificate 3337), and it is supervised by the OCC. At Q2 2026 it reported total assets of $1.22B, up 24.1% from Q2 2025, the 78th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 15.07% 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
- 3337
- Headquarters
- McAllen, TX
- Established
- 1920
- Total assets, Q2 2026
- $1.22B
- Assets vs Q2 2025
- +24.1%
- CET1 ratio, Q2 2026
- 15.07%
- Domestic offices
- 12 FDIC institution directory, current count
- Routing number
- 114920128
- Latest call report
- Q2 2026, FFIEC 051 · Texas National Bank call report
- Holding company
- ZAPATA DELAWARE FINANCIAL CORPORATION
- Asset rank in state
- 78th of 346 in Texas
Texas National Bank is growing quickly. The Mcallen, Texas bank had $1.2 billion in assets at June 30, 2026, up 24.1% from a year earlier. It grew deposits 25.7% over the year, 5.1 times the median of 5.1% for the 895 banks with $1 billion to $10 billion in assets. It also keeps 4.41 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.71 cents).
Deposits are coming in faster than loans: over the year loans rose 13.0% and deposits rose 25.7%. Its $111 million commercial and industrial book is improving, with 2.44% past due or on nonaccrual, down from 3.15% a year earlier.
As of June 30, 2026, Texas National Bank reported a CET1 capital ratio of 15.07%, a return on assets of 1.19%, a nonperforming-loan ratio of 0.28% and a Texas ratio of 2.32%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, Texas National Bank is the 78th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 3.7% to $1.22B, loans rose 2.0% and deposits rose 4.0%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 19.7% of total loans, ahead of non-owner-occupied commercial real estate loans at 18.8%. Its 12 offices in the FDIC Summary of Deposits are in 11 cities in TX; its Mcallen 2 offices book 24% of its branch deposits. Judged on its Q2 2026 call report, Texas National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 6901 N 10th St, McAllen, TX 78504
- County
- Hidalgo
- Metro Area
- McAllen-Edinburg-Mission, 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
- November 26, 1920
- Former names
- Mercedes National Bank (1985-2006)
- Domestic offices
- 12 FDIC institution directory, current count
- Employees (FTE)
- 194
- Domestic deposits
- $1.07B
- Allowance for credit losses
- $10.5M
- Net charge-offs (YTD)
- $241K
- Average total assets
- $1.22B
- Average total loans
- $734.7M
- Average interest-bearing deposits
- $771.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3337
- Fed RSSD
- 497954
- SEC CIK
- 1365104 → filed by TNB BANCSHARES, INC.
- Website
- http://texasnational.com →
- Parent Holding Company
- ZAPATA DELAWARE FINANCIAL CORPORATION (RSSD 2619479)
- Ultimate Parent
- TNB BANCSHARES, INC. (RSSD 3305434)
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 $787.5M (Q3 2023) and a high of $1.22B (Q2 2026) from Q3 2023 to Q2 2026, 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
$1.22B total assets against $980.1M; $1.10B total liabilities against $882.7M.
$747.1M net loans and leases against $661.0M; $1.07B total deposits against $851.3M.
$257.9M securities against $118.5M; $98.7M cash and balances due against $116.0M.
$18.3M total interest income against $15.3M; $6.2M total interest expense against $5.1M.
$12.0M net interest income against $10.2M.
$2.2M total noninterest income against $1.3M; $9.4M total noninterest expense against $7.1M.
$94K provision for credit losses against $442K.
$3.6M net income against $3.4M.
1.19% return on assets against 1.40%; 4.41% net interest margin against 4.60%.
15.07% CET1 capital ratio against 15.14%; 10.17% tier 1 leverage ratio against 10.87%.
Inside the full Texas 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.
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.
Texas National Bank rankings
Its closest position to the top of a national ranking is 874 of 4,196, for total assets; its furthest is 2,388 of 3,606, for efficiency ratio.
Banks merged into Texas National Bank
- Zapata National Bank, effective July 1, 2026
- Citizens State Bank, effective November 4, 2025
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.04% (Q4 2024) to 1.55% (Q4 2025) and its net interest margin ran from 4.24% (Q3 2024) to 4.69% (Q4 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.07% | 1.19% | 0.28% | 2.32% | 4.41% |
| Q1 2026 | 14.93% | 1.14% | 0.28% | 2.38% | 4.49% |
| Q4 2025 | 14.66% | 1.55% | 0.29% | 2.44% | 4.67% |
| Q3 2025 | 14.99% | 1.39% | 0.35% | 3.29% | 4.65% |
| Q2 2025 | 15.14% | 1.40% | 0.35% | 2.87% | 4.60% |
| Q1 2025 | 15.13% | 1.33% | 0.13% | 3.35% | 4.34% |
| Q4 2024 | 15.11% | 1.04% | 0.53% | 4.30% | 4.69% |
| Q3 2024 | 14.95% | 1.15% | 0.61% | 4.62% | 4.24% |
Swipe the table sideways to see every column.
Branch Network
View all 12 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 |
|---|---|---|---|
| Edinburg Closner Branch | Edinburg , TX | 78539 | $254.2M |
| Tnb North Mcallen Branch | Mcallen , TX | 78504 | $225.1M |
| MissionShary Branch | Mission , TX | 78572 | $123.7M |
| Texas National Bank (main office) | Mercedes , TX | 78570 | $109.4M |
| Brownsville Ruben Torres Branch | Brownsville , TX | 78521 | $102.7M |
| Weslaco Branch | Weslaco , TX | 78596 | $64.2M |
| Roma Branch | Roma , TX | 78584 | $61.1M |
| Tnb-Elsa Branch | Elsa , TX | 78543 | $50.0M |
| Texas National Bank-Mcallen Ridge Branch | Mcallen , TX | 78503 | $33.0M |
| Tnb - San Juan Branch | San Juan , TX | 78589 | $29.4M |
| Citizens State Bank Branch | Rio Grande City , TX | 78582 | $14.3M |
| Penitas Branch | Penitas , TX | 78576 | $2.7M |
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 |
|---|---|---|---|
| July 1, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2026 | Structure Change | Acquired Zapata National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 4, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 4, 2025 | Structure Change | Acquired Citizens State Bank 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 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 5 against the institution (OCC); 13 against individuals associated with it
- January 8, 2008, OCC: Formal Agreement: Texas National Bank
- January 26, 2004, OCC: Formal Agreement: Mercedes National Bank
- September 28, 1994, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Texas National Bank
- January 27, 1993, OCC: Civil Money Penalty (CMP): Mercedes National Bank
- January 27, 1992, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Mercedes National Bank
- Period: Most recent institution action January 8, 2008. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 105 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $130K approved, $130K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2005 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 $1.22 billion in its FFIEC call report.
Where is Texas National Bank headquartered?
It is headquartered in McAllen, TX, United States.
When was Texas National Bank founded?
It was established in 1920, per the FDIC institution directory.
Is Texas National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3337). 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 15.07% 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 12 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 2.32% 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.
What was Texas National Bank previously called?
The charter now named Texas National Bank has also operated as Mercedes National Bank (1985-2006), per FDIC structure-change records.
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