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Texas National Bank
Mcallen, TX · FDIC Certificate #3337 · Chartered 11/2
Total assets
$1.22B
Total deposits
$1.07B
Total equity
$114.88M
Net loans
$747.09M
Branches (offices)
12
Net income (YTD)
$6.92M
Rank: #882 of 4,213 U.S. banks by assets · #78 of 346 in Texas. Assets changed 24.1% and deposits 25.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.16% |
| Return on equity | 12.27% |
| Net interest margin (YTD) | 4.50% |
| Equity to assets | 9.45% |
| Tier 1 leverage ratio | 10.17% |
| Uninsured deposits (share of deposits) | 43.8% |
| Noncurrent loans (share of loans) | 0.28% |
| Net charge-offs (share of loans) | 0.06% |
| Loans to deposits | 69.8% |
| Real estate loans (share of loans) | 80.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $604.74M | 80.9% | |
| Commercial & industrial | $111.17M | 14.9% | |
| Consumer / individual | $12.14M | 1.6% | |
| Construction & development | $129.63M | 17.4% | |
| Agricultural | $1.11M | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $717.65M | $620.15M | $3.50M | $63.18M |
| Jun 2023 | $759.64M | $636.79M | $3.57M | $67.41M |
| Jun 2024 | $841.16M | $727.83M | $3.61M | $81.67M |
| Jun 2025 | $980.08M | $851.35M | $6.63M | $97.35M |
| Jun 2026 | $1.22B | $1.07B | $6.92M | $114.88M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $1.07B | 12 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.07B.
Similar-sized banks
Mutualone Bank ($1.22B) · Peoplessouth Bank ($1.21B)
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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