TXN 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.
Reserve coverage of non-performing loans climbed 13.67 percentage points in Q2 2026, from 121.17% to 134.84%. It was the largest change from Q1 2026 among the key lines here. TXN Bank ranks 264th of 345 Texas banks on return on assets, in the lower half at 1.01% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.26% on return on assets. TXN Bank sits 0.25 points lower, at 1.01% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.68% |
| Equity capital to assets | 7.66% |
| Tangible equity to tangible assets | 7.60% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.98% |
| Non-performing assets ratio | 0.49% |
| Net charge-off ratio | 0.05% |
| Texas ratio | 5.94% |
| Allowance for credit losses to loans | 1.32% |
| Reserve coverage of non-performing loans | 134.84% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.01% |
| Return on equity | 13.66% |
| Net interest margin | 3.45% |
| Efficiency ratio | 66.71% |
| Yield on earning assets | 5.01% |
| Cost of funds | 1.57% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 54.69% |
| Core deposits to total deposits | 91.83% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.61% |
| Securities to assets | 31.72% |
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 | 15.81% | 15.81% | 16.94% | 9.32% | 0.43% |
| Q4 2023 | 16.22% | 16.22% | 17.41% | 9.28% | 0.64% |
| Q1 2024 | 16.49% | 16.49% | 17.71% | 9.05% | 0.32% |
| Q2 2024 | 16.33% | 16.33% | 17.55% | 8.90% | 0.44% |
| Q3 2024 | 16.02% | 16.02% | 17.19% | 9.09% | 0.53% |
| Q4 2024 | 16.08% | 16.08% | 17.22% | 9.36% | 0.85% |
| Q1 2025 | 15.68% | 15.68% | 16.86% | 9.65% | 0.07% |
| Q2 2025 | 15.30% | 15.30% | 16.55% | 9.64% | 0.52% |
| Q3 2025 | 15.23% | 15.23% | 16.35% | 9.68% | 1.14% |
| Q4 2025 | 15.70% | 15.70% | 16.89% | 9.68% | 0.79% |
| Q1 2026 | 16.09% | 16.09% | 17.28% | 9.81% | 0.93% |
| Q2 2026 | — | — | — | 9.68% | 1.01% |
TXN Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock TXN 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 TXN Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15345) · FFIEC NIC profile (RSSD 77253)