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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 82.16 percentage points higher than in Q1 2026, at 585.29%. Within Texas, Texas National Bank is 225th of 345 on return on assets, 1.19% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Texas National Bank sits 0.09 points lower, at 1.19% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.07% |
| Tier 1 risk-based capital ratio | 15.07% |
| Total risk-based capital ratio | 16.33% |
| Tier 1 leverage ratio | 10.17% |
| Equity capital to assets | 9.45% |
| Tangible equity to tangible assets | 9.36% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.24% |
| Non-performing assets ratio | 0.21% |
| Net charge-off ratio | 0.09% |
| Texas ratio | 2.32% |
| Allowance for credit losses to loans | 1.39% |
| Reserve coverage of non-performing loans | 585.29% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.19% |
| Return on equity | 12.66% |
| Net interest margin | 4.41% |
| Efficiency ratio | 65.37% |
| Yield on earning assets | 6.69% |
| Cost of funds | 2.29% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 70.82% |
| Core deposits to total deposits | 79.93% |
| Brokered deposits to total deposits | 0.08% |
| Deposits to assets | 87.95% |
| Securities to assets | 21.20% |
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 | 17.77% | 17.77% | 19.03% | 11.13% | 3.44% |
| Q4 2023 | 17.32% | 17.32% | 18.58% | 10.84% | 0.81% |
| Q1 2024 | 16.41% | 16.41% | 17.66% | 10.35% | 0.54% |
| Q2 2024 | 15.95% | 15.95% | 17.20% | 10.58% | 1.11% |
| Q3 2024 | 14.95% | 14.95% | 16.20% | 10.83% | 1.15% |
| Q4 2024 | 15.11% | 15.11% | 16.36% | 10.75% | 1.04% |
| Q1 2025 | 15.13% | 15.13% | 16.39% | 10.67% | 1.33% |
| Q2 2025 | 15.14% | 15.14% | 16.40% | 10.87% | 1.40% |
| Q3 2025 | 14.99% | 14.99% | 16.24% | 10.70% | 1.39% |
| Q4 2025 | 14.66% | 14.66% | 15.91% | 10.67% | 1.55% |
| Q1 2026 | 14.93% | 14.93% | 16.18% | 10.28% | 1.14% |
| Q2 2026 | 15.07% | 15.07% | 16.33% | 10.17% | 1.19% |
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 3337) · FFIEC NIC profile (RSSD 497954)