Texas National Bank of Jacksonville: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Texas National Bank of Jacksonville is a locally rooted FDIC-insured community bank based in Jacksonville, TX, in the Jacksonville metropolitan region. On its most recent Q3 2026 call report, Texas National Bank of Jacksonville reported $861M in total assets against $774M in deposits. The bank posts a strong 1.53% ROA and 15.82% ROE. Capital is comfortably above regulatory requirements, CET1 ratio of 15.02% sits well above the 7% level required once the capital conservation buffer is included. Asset quality is solid, 1.23% nonperforming loans and a 14.05% Texas Ratio. It operates 9 branches, primarily in Texas.
As of September 30, 2026, Texas National Bank of Jacksonville reported a CET1 capital ratio of 15.02%, a return on assets of 1.53%, a nonperforming-loan ratio of 1.23%, a Texas ratio of 14.05%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 300 Neches St, Jacksonville, TX 75766
- County
- Cherokee
- Metro Area
- Jacksonville, 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
- March 19, 1985
- Offices
- 9 domestic
- Employees (FTE)
- 110
- Domestic deposits
- $774.3M
- Allowance for credit losses
- $12.0M
- Net charge-offs (YTD)
- $1.6M
- Average total assets
- $863.0M
- Average total loans
- $648.3M
- Average interest-bearing deposits
- $598.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 19, 1985
- FDIC Cert
- 26181
- Fed RSSD
- 739355
- SEC CIK
- 1134571 → filed by EAST TEXAS FINANCIAL CORPORATION
- Website
- www.txnationalbank.com →
- Parent Holding Company
- EAST TEXAS FINANCIAL CORPORATION (RSSD 1427556)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through September 30, 2026, as filed. Net income is tagged Q3 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 of Jacksonville terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Texas National Bank of Jacksonville, freeTexas National Bank of Jacksonville 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.
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 | 15.31% | 1.51% | 1.00% | 10.75% | 3.94% |
| Q1 2026 | 14.70% | -2.23% | 0.63% | 6.65% | 4.21% |
| Q4 2025 | 16.79% | 1.11% | 1.69% | 12.72% | 4.14% |
| Q3 2025 | 16.36% | 1.14% | 1.80% | 12.37% | 4.02% |
| Q2 2025 | 16.18% | 1.22% | 0.18% | 1.41% | 3.99% |
| Q1 2025 | 15.59% | 0.97% | 0.36% | 3.18% | 3.66% |
| Q4 2024 | 15.10% | 0.90% | 0.65% | 4.89% | 3.46% |
| Q3 2024 | 15.31% | 0.88% | 0.15% | 1.78% | 3.18% |
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 9 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Tyler Office Branch | Tyler , TX | 75703 | $181.2M |
| Texas National Bank of Jacksonville (main office) | Jacksonville , TX | 75766 | $145.0M |
| Longview Branch | Longview , TX | 75605 | $117.0M |
| Marshall Branch | Marshall , TX | 75670 | $97.8M |
| Bullard Branch | Bullard , TX | 75757 | $70.7M |
| Tyler Troup Hwy Branch | Tyler , TX | 75707 | $56.5M |
| Rusk Branch | Rusk , TX | 75785 | $53.9M |
| Lindale Branch | Lindale , TX | 75771 | $29.8M |
| Texas National Bank of Jacksonville - Lufkin Branch | Lufkin , TX | 75904 | $13.8M |
Regulatory record
What the public regulatory sources show for Texas National Bank of Jacksonville, 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
- 1 against the institution (OCC); 8 against individuals associated with it
- January 10, 1990, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Texas National Bank Of Jacksonville
- Period: Most recent institution action January 10, 1990. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 140 of 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 207 applications, 148 loans originated, $43.4M originated, across 1 states
- Period: Calendar year 2025. 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 of Jacksonville
What are Texas National Bank of Jacksonville's total assets?
As of the Q3 2026 filing, Texas National Bank of Jacksonville reported total assets of $860.7 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Texas National Bank of Jacksonville headquartered?
Texas National Bank of Jacksonville is headquartered in Jacksonville, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Texas National Bank of Jacksonville founded?
Texas National Bank of Jacksonville was established in 1985, per the FDIC institution directory.
Is Texas National Bank of Jacksonville FDIC-insured?
Yes. Texas National Bank of Jacksonville is an FDIC-insured commercial bank (FDIC Certificate #26181). 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 of Jacksonville?
Texas National Bank of Jacksonville'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 of Jacksonville's CET1 capital ratio?
Texas National Bank of Jacksonville reported a Common Equity Tier 1 (CET1) capital ratio of 15.02% in its Q3 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Texas National Bank of Jacksonville operate?
Texas National Bank of Jacksonville operates 9 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 of Jacksonville's Texas Ratio?
Texas National Bank of Jacksonville's Texas Ratio is 14.05% in its Q3 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.
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