Texas Republic Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Texas Republic Bank, N.A. is an FDIC-insured commercial bank headquartered in Frisco, TX, established in 1891 (FDIC certificate 3400), and it is supervised by the OCC. At Q2 2026 it reported total assets of $510.6M, up 3.7% from Q2 2025, the 159th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.35% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3400
- Headquarters
- Frisco, TX
- Established
- 1891
- Total assets, Q2 2026
- $510.6M
- Assets vs Q2 2025
- +3.7%
- Tier 1 leverage ratio, Q2 2026
- 13.35%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 111303010
- Latest call report
- Q2 2026, FFIEC 051 · Texas Republic Bank, N.A. call report
- Holding company
- TXRB HOLDINGS, INC.
- Asset rank in state
- 159th of 346 in Texas
Texas Republic Bank, N.A. earns an unusually wide margin on its lending. The Frisco, Texas bank had $511 million in assets at June 30, 2026, up 3.7% from a year earlier. It keeps 5.19 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). On the other hand, it holds commercial real estate loans worth 2.9 times its capital, 2.4 times the median of 1.2 times for banks its size.
Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 1.06% of loans from 1.88%. Its $51 million commercial and industrial book is now fully current, after 4.69% of it was past due or on nonaccrual a year earlier. Funding is the softer spot: it pays an average of 2.34% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Texas Republic Bank, N.A. reported a return on assets of 1.78%, a nonperforming-loan ratio of 1.06% and a Texas ratio of 7.63%. The figures come from its call report filed with the FFIEC.
Texas Republic Bank, N.A. ranks as the 159th largest of the 346 banks based in Texas, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.6% to $510.6M, loans rose 6.3% and deposits fell 1.7%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 24.3% of total loans, followed by owner-occupied commercial real estate loans at 20.7%. The FDIC Summary of Deposits lists 6 offices for it, in 6 cities in TX; its Frisco office books 53% of its branch deposits. On its Q2 2026 call report, Texas Republic Bank, N.A. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 2595 Preston Rd, Frisco, TX 75034
- County
- Collin
- Metro Area
- Dallas-Fort Worth-Arlington, 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- May 21, 1891
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 78
- Domestic deposits
- $389.2M
- Allowance for credit losses
- $6.0M
- Net charge-offs (YTD)
- -$49K
- Average total assets
- $512.2M
- Average total loans
- $433.5M
- Average interest-bearing deposits
- $275.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3400
- Fed RSSD
- 735067
- SEC CIK
- 1507815 → filed by TXRB HOLDINGS, INC.
- Website
- www.texasrepublicbank.com →
- Parent Holding Company
- TXRB HOLDINGS, INC. (RSSD 4215745)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Texas Republic Bank, N.A. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Texas Republic Bank, N.A.'s total assets ranged from $470.5M (Q3 2023) to $518.8M (Q1 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
$510.6M total assets against $492.2M; $441.3M total liabilities against $429.0M.
$436.6M net loans and leases against $403.1M; $389.2M total deposits against $376.4M.
$933K securities against $998K; $55.2M cash and balances due against $69.6M.
$9.1M total interest income against $8.6M; $2.6M total interest expense against $2.6M.
$6.5M net interest income against $6.0M.
$252K total noninterest income against $240K; $3.6M total noninterest expense against $3.6M.
$256K provision for credit losses against $285K.
$2.3M net income against $1.8M.
1.78% return on assets against 1.49%; 5.19% net interest margin against 4.99%.
13.35% tier 1 leverage ratio against 12.68%.
Inside the full Texas Republic Bank, N.A. 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
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 Republic Bank, N.A. rankings
Its closest position to the top of a national ranking is 781 of 3,611, for ROA; its furthest is 1,753 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.19% (Q3 2024) to 1.92% (Q4 2025) and its net interest margin ran from 4.50% (Q3 2024) to 5.22% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.35% | 1.78% | 1.06% | 7.63% | 5.19% |
| Q1 2026 | 13.70% | 1.80% | 1.18% | 6.98% | 5.15% |
| Q4 2025 | 13.41% | 1.92% | 1.54% | 8.74% | 5.17% |
| Q3 2025 | 13.17% | 1.79% | 1.49% | 9.05% | 5.22% |
| Q2 2025 | 12.68% | 1.49% | 1.88% | 11.36% | 4.99% |
| Q1 2025 | 12.81% | 1.34% | 1.44% | 8.55% | 4.64% |
| Q4 2024 | 12.48% | 1.71% | 1.46% | 8.71% | 4.75% |
| Q3 2024 | 12.00% | 1.19% | 1.44% | 8.87% | 4.50% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 Republic Bank, N.A. (main office) | Frisco , TX | 75034 | $207.0M |
| Pilot Point Branch | Pilot Point , TX | 76258 | $63.0M |
| Richardson Branch | Richardson , TX | 75080 | $46.7M |
| Celina Branch | Celina , TX | 75009 | $27.7M |
| Melissa Branch | Melissa , TX | 75454 | $25.4M |
| Quanah Branch | Quanah , TX | 79252 | $19.4M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (OCC); 5 against individuals associated with it
- August 14, 2008, OCC: Formal Agreement: Texas Republic Bank, National Association
- May 4, 1992, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Security National Bank of Quanah, The
- Period: Most recent institution action August 14, 2008. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 208 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 49 applications, 49 loans originated, $22.1M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $2.8M approved, $2.8M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (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 Republic Bank, N.A.
What are Texas Republic Bank, N.A.'s total assets?
As of the Q2 2026 filing, Texas Republic Bank, N.A. reported total assets of $510.6 million in its FFIEC call report.
Where is Texas Republic Bank, N.A. headquartered?
It is headquartered in Frisco, TX, United States.
When was Texas Republic Bank, N.A. founded?
It was established in 1891, per the FDIC institution directory.
Is Texas Republic Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3400). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Texas Republic Bank, N.A.?
Texas Republic Bank, N.A.'s primary federal regulator is the OCC.
How many branches does Texas Republic Bank, N.A. operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Texas Republic Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 7.63% 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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