TXN Bank
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Data as of · sourced from FFIEC call reports. How we update
TXN Bank is an FDIC-insured commercial bank headquartered in Hondo, TX, established in 1934 (FDIC certificate 15345), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $669.2M, up 5.9% from Q2 2025, the 128th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.68% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 15345
- Headquarters
- Hondo, TX
- Established
- 1934
- Total assets, Q2 2026
- $669.2M
- Assets vs Q2 2025
- +5.9%
- Tier 1 leverage ratio, Q2 2026
- 9.68%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 114909165
- Latest call report
- Q2 2026, FFIEC 051 · TXN Bank call report
- Holding company
- TXN BANCSHARES, INC.
- Asset rank in state
- 128th of 346 in Texas
Little in TXN Bank's latest call report stands out. Based in Hondo, Texas, it had $669 million in assets at June 30, 2026, up 5.9% from a year earlier. On most measures it sits near the middle of the 2,660 banks with $100 million to $1 billion in assets.
Earnings jumped: net income for the quarter was $1.7 million, 105% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $20 million equal 30% of Tier 1 capital, down from 42% a year earlier. Where it has less room is capital: it funds 9.68% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, TXN Bank reported a return on assets of 1.01%, a nonperforming-loan ratio of 0.98% and a Texas ratio of 5.94%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, TXN Bank is the 128th largest of the 346 banks headquartered in Texas. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.4% to $669.2M, loans fell 0.8% and deposits rose 1.2%. Non-owner-occupied commercial real estate loans made up 26.6% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 23.3%. The FDIC Summary of Deposits lists 7 offices for it, in 7 cities in TX; its Hondo office books 50% of its branch deposits. By the capital ratios in its Q2 2026 call report, TXN Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 103 19th Street, Hondo, TX 78861
- County
- Medina
- Metro Area
- San Antonio-New Braunfels, TX
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1934
- Former names
- TXN Bank National Association (2022-2023)
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 92
- Domestic deposits
- $613.0M
- Allowance for credit losses
- $4.4M
- Net charge-offs (YTD)
- $95K
- Average total assets
- $686.9M
- Average total loans
- $334.4M
- Average interest-bearing deposits
- $452.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 15345
- Fed RSSD
- 77253
- Website
- www.txn.bank →
- Parent Holding Company
- TXN BANCSHARES, INC. (RSSD 3048991)
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, TXN Bank 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, TXN Bank's total assets ranged from $611.8M (Q4 2024) to $669.2M (Q1 2024), 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
$669.2M total assets against $631.7M; $617.9M total liabilities against $589.7M.
$330.8M net loans and leases against $327.0M; $613.0M total deposits against $586.4M.
$212.2M securities against $209.5M; $62.8M cash and balances due against $33.7M.
$7.6M total interest income against $7.1M; $2.4M total interest expense against $2.6M.
$5.2M net interest income against $4.5M.
$1.4M total noninterest income against $1.2M; $4.5M total noninterest expense against $4.0M.
$0 provision for credit losses against $689K.
$1.7M net income against $843K.
1.01% return on assets against 0.52%; 3.45% net interest margin against 3.26%.
9.68% tier 1 leverage ratio against 9.64%.
Inside the full TXN Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeTXN Bank rankings
Its closest position to the top of a national ranking is 1,135 of 3,640, for Texas Ratio; its furthest is 2,495 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.07% (Q1 2025) to 1.14% (Q3 2025) and its net interest margin ran from 2.61% (Q3 2024) to 3.50% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.68% | 1.01% | 0.98% | 5.94% | 3.45% |
| Q1 2026 | 9.81% | 0.93% | 1.09% | 7.41% | 3.46% |
| Q4 2025 | 9.68% | 0.79% | 1.15% | 7.50% | 3.50% |
| Q3 2025 | 9.68% | 1.14% | 1.23% | 8.27% | 3.38% |
| Q2 2025 | 9.64% | 0.52% | 1.10% | 7.92% | 3.26% |
| Q1 2025 | 9.65% | 0.07% | 0.96% | 8.17% | 2.98% |
| Q4 2024 | 9.36% | 0.85% | 0.53% | 7.07% | 2.86% |
| Q3 2024 | 9.09% | 0.53% | 0.08% | 2.69% | 2.61% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 |
|---|---|---|---|
| TXN Bank (main office) | Hondo , TX | 78861 | $307.9M |
| Uvalde Branch | Uvalde , TX | 78801 | $96.1M |
| Castroville Branch | Castroville , TX | 78009 | $56.7M |
| Bandera Branch | Bandera , TX | 78003 | $41.7M |
| Lytle Branch | Lytle , TX | 78052 | $40.6M |
| Lacost Branch | La Coste , TX | 78039 | $39.7M |
| Leakey Branch | Leakey , TX | 78873 | $30.4M |
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 |
|---|---|---|---|
| February 22, 2022 | Structure Change | Acquired Community National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 18, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 4, 2013 | Structure Change | Acquired Uvalde National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 3, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
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
- 2 against the institution (OCC); 4 against individuals associated with it
- August 18, 2014, OCC: Civil Money Penalty (CMP): The Hondo National Bank
- December 10, 1992, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): The Hondo National Bank
- Period: Most recent institution action August 18, 2014. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 160 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 66 applications, 40 loans originated, $13.6M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $1.2M approved, $620K average. 50.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (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 TXN Bank
What are TXN Bank's total assets?
As of the Q2 2026 filing, TXN Bank reported total assets of $669.2 million in its FFIEC call report.
Where is TXN Bank headquartered?
It is headquartered in Hondo, TX, United States.
When was TXN Bank founded?
It was established in 1934, per the FDIC institution directory.
Is TXN Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15345). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates TXN Bank?
TXN Bank's primary federal regulator is the Federal Reserve.
How many branches does TXN Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is TXN Bank's Texas Ratio?
Its Texas Ratio is 5.94% 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 TXN Bank previously called?
The charter now named TXN Bank has also operated as TXN Bank National Association (2022-2023), per FDIC structure-change records.
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