Titan Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Titan Bank, N.A. is an FDIC-insured commercial bank headquartered in Mineral Wells, TX, established in 1907 (FDIC certificate 3225), and it is supervised by the OCC. At Q2 2026 it reported total assets of $895.2M, up 40.0% from Q2 2025, the 102nd largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 35.50% 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
- 3225
- Headquarters
- Mineral Wells, TX
- Established
- 1907
- Total assets, Q2 2026
- $895.2M
- Assets vs Q2 2025
- +40.0%
- CET1 ratio, Q2 2026
- 35.50%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 111910762
- Latest call report
- Q2 2026, FFIEC 041 · Titan Bank, N.A. call report
- Holding company
- BMC BANCSHARES, INC.
- Asset rank in state
- 102nd of 346 in Texas
Titan Bank, N.A. carries far more capital than most banks of its size. Based in Mineral Wells, Texas, it had $895 million in assets at June 30, 2026, up 40.0% from a year earlier. It holds common equity equal to 35.50% of its risk-weighted assets, 2.3 times the median of 15.12% for the 2,660 banks with $100 million to $1 billion in assets. It also grew its loan book 24.1% over the year, 4.4 times the median of 5.5% for banks its size.
Deposits are coming in faster than loans: over the year loans rose 24.1% and deposits rose 35.8%. Its $111 million multifamily book is improving, with 1.42% past due or on nonaccrual, down from 9.05% a year earlier.
As of June 30, 2026, Titan Bank, N.A. reported a CET1 capital ratio of 35.50%, a return on assets of 7.64%, a nonperforming-loan ratio of 0.54% and a Texas ratio of 1.85%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Titan Bank, N.A. is the 102nd largest of the 346 banks headquartered in Texas. Between Q1 2026 and Q2 2026, its total assets rose 0.5% to $895.2M, loans fell 3.7% and deposits fell 1.6%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 48.8% of total loans, ahead of multifamily loans at 26.4%. Its one office in the FDIC Summary of Deposits is in Mineral Wells, TX. Judged on its Q2 2026 call report, Titan Bank, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1701 E Hubbard St, Mineral Wells, TX 76067
- County
- Palo Pinto
- Metro Area
- Mineral Wells, 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
- January 1, 1907
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 39
- Domestic deposits
- $771.5M
- Allowance for credit losses
- $5.0M
- Net charge-offs (YTD)
- $7K
- Average total assets
- $1.31B
- Average total loans
- $427.1M
- Average interest-bearing deposits
- $333.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3225
- Fed RSSD
- 328357
- SEC CIK
- 1805008 → filed by BMC BANCSHARES, INC.
- Website
- www.titanbank.com →
- Parent Holding Company
- BMC BANCSHARES, INC. (RSSD 3831625)
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
Over the 12 quarters to Q2 2026, Titan Bank, N.A.'s total assets ran between $478.5M (Q4 2023) and $895.2M (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
$895.2M total assets against $639.5M; $777.6M total liabilities against $573.7M.
$414.6M net loans and leases against $334.3M; $771.5M total deposits against $568.2M.
$116.0M securities against $114.0M; $341.1M cash and balances due against $173.3M.
$15.7M total interest income against $10.7M; $2.2M total interest expense against $2.8M.
$13.5M net interest income against $7.9M.
$14.4M total noninterest income against $1.8M; $3.1M total noninterest expense against $3.0M.
-$328K provision for credit losses against $397K.
$25.1M net income against $6.3M.
7.64% return on assets against 3.23%; 4.15% net interest margin against 4.12%.
35.50% CET1 capital ratio against 22.97%; 9.48% tier 1 leverage ratio against 9.32%.
Inside the full Titan Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeTitan Bank, N.A. rankings
Its closest position to the top of a national ranking is 2 of 3,611, for ROA; its furthest is 2,320 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 2.74% (Q1 2025) to 52.06% (Q3 2025) and its net interest margin ran from 4.02% (Q4 2025) to 4.67% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 35.50% | 7.64% | 0.54% | 1.85% | 4.15% |
| Q1 2026 | 29.00% | 11.63% | 0.42% | 1.74% | 4.24% |
| Q4 2025 | 18.58% | 11.45% | 0.36% | 2.43% | 4.02% |
| Q3 2025 | 55.46% | 52.06% | 0.30% | 0.66% | 4.10% |
| Q2 2025 | 22.97% | 3.23% | 0.52% | 2.55% | 4.12% |
| Q1 2025 | 24.62% | 2.74% | 0.27% | 1.34% | 4.17% |
| Q4 2024 | 23.81% | 3.46% | 0.45% | 2.25% | 4.27% |
| Q3 2024 | 23.11% | 3.18% | 0.15% | 0.84% | 4.67% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Titan Bank, N.A. (main office) | Mineral Wells , TX | 76067 | $771.5M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (OCC); 3 against individuals associated with it
- October 1, 2004, OCC: Formal Agreement: First National Bank, Graford
- September 13, 1989, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): First National Bank
- Period: Most recent institution action October 1, 2004. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 139 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $5.0M approved, $5.0M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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 Titan Bank, N.A.
What are Titan Bank, N.A.'s total assets?
As of the Q2 2026 filing, Titan Bank, N.A. reported total assets of $895.2 million in its FFIEC call report.
Where is Titan Bank, N.A. headquartered?
It is headquartered in Mineral Wells, TX, United States.
When was Titan Bank, N.A. founded?
It was established in 1907, per the FDIC institution directory.
Is Titan Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3225). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Titan Bank, N.A.?
Titan Bank, N.A.'s primary federal regulator is the OCC.
What is Titan Bank, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 35.50% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Titan Bank, N.A. operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Titan Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 1.85% 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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