Texas National Bank of Jacksonville
Also written as TNB of Jacksonville
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Data as of · sourced from FFIEC call reports. How we update
Texas National Bank of Jacksonville is an FDIC-insured commercial bank headquartered in Jacksonville, TX, established in 1985 (FDIC certificate 26181), and it is supervised by the OCC. At Q2 2026 it reported total assets of $852.4M, up 0.5% from Q2 2025, the 106th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 15.31% 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
- 26181
- Headquarters
- Jacksonville, TX
- Established
- 1985
- Total assets, Q2 2026
- $852.4M
- Assets vs Q2 2025
- +0.5%
- CET1 ratio, Q2 2026
- 15.31%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 113115617
- Latest call report
- Q2 2026, FFIEC 041 · Texas National Bank of Jacksonville Q3 2026 call report, filed October 9, 2026 (preliminary)
- Holding company
- EAST TEXAS FINANCIAL CORPORATION
- Asset rank in state
- 106th of 346 in Texas
Problem loans are rising at Texas National Bank of Jacksonville. Its balance sheet stood at $852 million at June 30, 2026; it is based in Jacksonville, Texas. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.03% of loans from 0.20% a year earlier. It shrank its loan book 4.8% over the year, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 5.5%). It also pays an average of 2.68% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
The non-owner-occupied commercial real estate book ($115 million) is worsening: 1.96% of it is past due or on nonaccrual, up from 0.15% a year earlier. Loans and deposits moved in opposite directions: over the year loans fell 4.8% and deposits rose 1.8%. Credit is the area to watch: it carries problem assets equal to 10.7% of the capital and reserves that would absorb them, 4.1 times the median of 2.6% for banks its size.
As of June 30, 2026, Texas National Bank of Jacksonville reported a CET1 capital ratio of 15.31%, a return on assets of 1.51%, a nonperforming-loan ratio of 1.03% and a Texas ratio of 10.75%. The figures come from its call report filed with the FFIEC.
Texas National Bank of Jacksonville ranks as the 106th largest of the 346 banks based in Texas, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.2% to $852.4M, loans fell 3.0% and deposits fell 0.7%. 1-4 family residential loans made up 36.3% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 17.5%. The FDIC Summary of Deposits lists 9 offices for it, in 8 cities in TX; its Tyler 2 offices book 31% of its branch deposits. Judged on its Q2 2026 call report, Texas National Bank of Jacksonville meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 300 Neches St, Jacksonville, TX 75766
- County
- Cherokee
- Metro Area
- Jacksonville, 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 041
- Established
- March 19, 1985
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 111
- Domestic deposits
- $765.7M
- Allowance for credit losses
- $12.1M
- Net charge-offs (YTD)
- $1.5M
- Average total assets
- $852.7M
- Average total loans
- $671.1M
- Average interest-bearing deposits
- $588.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 19, 1985
- FDIC Cert
- 26181
- Fed RSSD
- 739355
- SEC CIK
- 1134571 → filed by EAST TEXAS FINANCIAL CORPORATION
- Website
- www.txnationalbank.com →
- Parent Holding Company
- EAST TEXAS FINANCIAL CORPORATION (RSSD 1427556)
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 of Jacksonville's total assets moved between a low of $807.4M (Q4 2023) and a high of $873.1M (Q3 2025) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$852.4M total assets against $848.0M; $768.3M total liabilities against $757.8M.
$641.9M net loans and leases against $678.6M; $765.7M total deposits against $752.0M.
$19.7M securities against $21.3M; $165.0M cash and balances due against $126.8M.
$13.3M total interest income against $13.8M; $5.0M total interest expense against $5.6M.
$8.3M net interest income against $8.2M.
$427K total noninterest income against $514K; $4.4M total noninterest expense against $4.9M.
$225K provision for credit losses against $550K.
$3.2M net income against $2.6M.
1.51% return on assets against 1.22%; 3.94% net interest margin against 3.99%.
15.31% CET1 capital ratio against 16.18%; 10.08% tier 1 leverage ratio against 10.97%.
Inside the full Texas National Bank of Jacksonville terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeTexas National Bank of Jacksonville rankings
Its closest position to the top of a national ranking is 574 of 3,640, for Texas Ratio; its furthest is 820 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -2.23% (Q1 2026) to 1.51% (Q2 2026) and its net interest margin ran from 3.18% (Q3 2024) to 4.21% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.31% | 1.51% | 1.03% | 10.75% | 3.94% |
| Q1 2026 | 14.70% | -2.23% | 0.67% | 6.65% | 4.21% |
| Q4 2025 | 16.79% | 1.11% | 1.69% | 12.72% | 4.14% |
| Q3 2025 | 16.36% | 1.14% | 1.82% | 12.37% | 4.02% |
| Q2 2025 | 16.18% | 1.22% | 0.20% | 1.41% | 3.99% |
| Q1 2025 | 15.59% | 0.97% | 0.39% | 3.18% | 3.66% |
| Q4 2024 | 15.10% | 0.90% | 0.65% | 4.89% | 3.46% |
| Q3 2024 | 15.31% | 0.88% | 0.24% | 1.78% | 3.18% |
Swipe the table sideways to see every column.
Branch Network
View all 9 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 |
|---|---|---|---|
| Tyler Office Branch | Tyler , TX | 75703 | $181.2M |
| Texas National Bank of Jacksonville (main office) | Jacksonville , TX | 75766 | $145.0M |
| Longview Branch | Longview , TX | 75605 | $117.0M |
| Marshall Branch | Marshall , TX | 75670 | $97.8M |
| Bullard Branch | Bullard , TX | 75757 | $70.7M |
| Tyler Troup Hwy Branch | Tyler , TX | 75707 | $56.5M |
| Rusk Branch | Rusk , TX | 75785 | $53.9M |
| Lindale Branch | Lindale , TX | 75771 | $29.8M |
| Texas National Bank of Jacksonville - Lufkin Branch | Lufkin , TX | 75904 | $13.8M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC); 8 against individuals associated with it
- January 10, 1990, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Texas National Bank Of Jacksonville
- Period: Most recent institution action January 10, 1990. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 140 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 207 applications, 148 loans originated, $43.4M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2020 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 of Jacksonville
What are Texas National Bank of Jacksonville's total assets?
As of the Q2 2026 filing, Texas National Bank of Jacksonville reported total assets of $852.4 million in its FFIEC call report.
Where is Texas National Bank of Jacksonville headquartered?
It is headquartered in Jacksonville, TX, United States.
When was Texas National Bank of Jacksonville founded?
It was established in 1985, per the FDIC institution directory.
Is Texas National Bank of Jacksonville FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #26181). 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 of Jacksonville?
Texas National Bank of Jacksonville's primary federal regulator is the OCC.
What is Texas National Bank of Jacksonville's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.31% 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 of Jacksonville operate?
It operates 9 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 of Jacksonville's Texas Ratio?
Its Texas Ratio is 10.75% 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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