Texas National Bank (McAllen, TX): Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Headquartered in Mcallen, Texas National Bank serves the Texas market as a community-focused commercial bank. The Q2 2026 balance sheet stands at $1.2B in assets, including $758M in loans. Earnings are mid-range, 1.19% ROA and a 4.41% net interest margin. Capital is comfortably above regulatory requirements, CET1 ratio of 15.07% sits well above the 7% level required once the capital conservation buffer is included. Asset quality is pristine, 0.24% NPLs and a 2.32% Texas Ratio. Texas National operates a 14-branch network.
As of June 30, 2026, Texas National Bank reported a CET1 capital ratio of 15.07%, a return on assets of 1.19%, a nonperforming-loan ratio of 0.24%, a Texas ratio of 2.32%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 6901 N 10th St, McAllen, TX 78504
- County
- Hidalgo
- Metro Area
- McAllen-Edinburg-Mission, 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 051
- Established
- November 26, 1920
- Former names
- Mercedes National Bank (1985-2006)
- Offices
- 14 domestic
- Employees (FTE)
- 194
- Domestic deposits
- $1.07B
- Allowance for credit losses
- $10.5M
- Net charge-offs (YTD)
- $241K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3337
- Fed RSSD
- 497954
- SEC CIK
- 1365104 → filed by TNB BANCSHARES, INC.
- Website
- http://texasnational.com →
- Parent Holding Company
- ZAPATA DELAWARE FINANCIAL CORPORATION (RSSD 2619479)
- Ultimate Parent
- TNB BANCSHARES, INC. (RSSD 3305434)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Texas National Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Texas National 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.
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 National Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Banks merged into Texas National Bank
- Zapata National Bank, effective July 1, 2026
- Citizens State Bank, effective November 4, 2025
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.07% | 1.19% | 0.24% | 2.32% | 4.41% |
| Q1 2026 | 14.93% | 1.14% | 0.28% | 2.38% | 4.49% |
| Q4 2025 | 14.66% | 1.55% | 0.29% | 2.57% | 4.67% |
| Q3 2025 | 14.99% | 1.39% | 0.29% | 3.29% | 4.65% |
| Q2 2025 | 15.14% | 1.40% | 0.35% | 2.87% | 4.60% |
| Q1 2025 | 15.13% | 1.33% | 0.13% | 3.35% | 4.34% |
| Q4 2024 | 15.11% | 1.04% | 0.31% | 4.30% | 4.69% |
| Q3 2024 | 14.95% | 1.15% | 0.61% | 4.62% | 4.24% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 12 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Edinburg Closner Branch | Edinburg , TX | 78539 | $254.2M |
| Tnb North Mcallen Branch | Mcallen , TX | 78504 | $225.1M |
| MissionShary Branch | Mission , TX | 78572 | $123.7M |
| Texas National Bank (main office) | Mercedes , TX | 78570 | $109.4M |
| Brownsville Ruben Torres Branch | Brownsville , TX | 78521 | $102.7M |
| Weslaco Branch | Weslaco , TX | 78596 | $64.2M |
| Roma Branch | Roma , TX | 78584 | $61.1M |
| Tnb-Elsa Branch | Elsa , TX | 78543 | $50.0M |
| Texas National Bank-Mcallen Ridge Branch | Mcallen , TX | 78503 | $33.0M |
| Tnb - San Juan Branch | San Juan , TX | 78589 | $29.4M |
| Citizens State Bank Branch | Rio Grande City , TX | 78582 | $14.3M |
| Penitas Branch | Penitas , TX | 78576 | $2.7M |
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 |
|---|---|---|---|
| July 1, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2026 | Structure Change | Acquired Zapata National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 4, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 4, 2025 | Structure Change | Acquired Citizens State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
What the public regulatory sources show for Texas National Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 5 against the institution (OCC); 13 against individuals associated with it
- January 8, 2008, OCC: Formal Agreement: Texas National Bank
- January 26, 2004, OCC: Formal Agreement: Mercedes National Bank
- September 28, 1994, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Texas National Bank
- January 27, 1993, OCC: Civil Money Penalty (CMP): Mercedes National Bank
- January 27, 1992, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Mercedes National Bank
- Period: Most recent institution action January 8, 2008. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 105 of 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Texas National Bank
What are Texas National Bank's total assets?
As of the Q2 2026 filing, Texas National Bank reported total assets of $1.22 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Texas National Bank headquartered?
Texas National Bank is headquartered in McAllen, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Texas National Bank founded?
Texas National Bank was established in 1920, per the FDIC institution directory.
Is Texas National Bank FDIC-insured?
Yes. Texas National Bank is an FDIC-insured commercial bank (FDIC Certificate #3337). 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?
Texas National Bank's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Texas National Bank's CET1 capital ratio?
Texas National Bank reported a Common Equity Tier 1 (CET1) capital ratio of 15.07% 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 operate?
Texas National Bank operates 14 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's Texas Ratio?
Texas National Bank's Texas Ratio is 2.32% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Texas National Bank previously called?
The charter now named Texas National Bank has also operated as Mercedes National Bank (1985-2006), per FDIC structure-change records.
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