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Llano National Bank
Llano, TX · FDIC Certificate #24305 · Chartered 01/1
Total assets
$301.10M
Total deposits
$265.93M
Total equity
$31.61M
Net loans
$170.30M
Branches (offices)
5
Net income (YTD)
$1.58M
Rank: #2,464 of 4,213 U.S. banks by assets · #214 of 346 in Texas. Assets changed -0.2% and deposits -0.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.02% |
| Return on equity | 10.26% |
| Net interest margin (YTD) | 3.82% |
| Equity to assets | 10.50% |
| Tier 1 leverage ratio | 13.11% |
| Uninsured deposits (share of deposits) | 26.1% |
| Noncurrent loans (share of loans) | 0.45% |
| Net charge-offs (share of loans) | 0.20% |
| Loans to deposits | 64.0% |
| Real estate loans (share of loans) | 92.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $157.90M | 92.7% | |
| Commercial & industrial | $5.90M | 3.5% | |
| Consumer / individual | $4.09M | 2.4% | |
| Construction & development | $29.53M | 17.3% | |
| Agricultural | $5.06M | 3.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $284.16M | $265.65M | $1.60M | $17.49M |
| Jun 2023 | $300.81M | $271.15M | $1.52M | $20.30M |
| Jun 2024 | $294.56M | $258.06M | $1.32M | $22.10M |
| Jun 2025 | $301.72M | $268.29M | $1.57M | $25.66M |
| Jun 2026 | $301.10M | $265.93M | $1.58M | $31.61M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $265.93M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $265.93M.
Similar-sized banks
Collins State Bank ($301.16M) · Monterey County Bank ($300.38M)
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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