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Austin Bank, Texas National Association
Jacksonville, TX · FDIC Certificate #3276 · Chartered 10/0
Total assets
$3.33B
Total deposits
$2.80B
Total equity
$504.38M
Net loans
$2.46B
Branches (offices)
39
Net income (YTD)
$34.10M
Rank: #385 of 4,213 U.S. banks by assets · #28 of 346 in Texas. Assets changed 6.5% and deposits 5.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.08% |
| Return on equity | 13.87% |
| Net interest margin (YTD) | 5.25% |
| Equity to assets | 15.14% |
| Tier 1 leverage ratio | 15.12% |
| Uninsured deposits (share of deposits) | 26.0% |
| Noncurrent loans (share of loans) | 0.60% |
| Net charge-offs (share of loans) | 0.05% |
| Loans to deposits | 88.0% |
| Real estate loans (share of loans) | 85.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $2.12B | 85.9% | |
| Commercial & industrial | $211.58M | 8.6% | |
| Consumer / individual | $120.79M | 4.9% | |
| Construction & development | $330.33M | 13.4% | |
| Agricultural | $41.44M | 1.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.75B | $2.36B | $16.44M | $323.18M |
| Jun 2023 | $2.74B | $2.25B | $19.34M | $350.39M |
| Jun 2024 | $2.83B | $2.38B | $21.89M | $394.73M |
| Jun 2025 | $3.13B | $2.65B | $26.17M | $445.41M |
| Jun 2026 | $3.33B | $2.80B | $34.10M | $504.38M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $2.80B | 39 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.80B.
Similar-sized banks
Libertyville Bank & Trust Company, National Association ($3.34B) · Red River Bank ($3.31B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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