TellerScore

Headquartered in Pleasanton, Texas, Atascosa Bank is a state-chartered bank with $81.7M in total assets and $71.5M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1982.

Based on its Q2 2026 filing, Atascosa Bank scores 61/100, which we describe as moderate. That is higher than only 19% of 546 banks with under $100 million in assets. Among 349 banks headquartered in Texas, it ranks 296th. Its strongest component is capital cushion (100/100; 15.25%), and its lowest is loan quality (4/100; 2.89%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 15.25%
Loan quality4/100
Noncurrent loans ÷ total loans: 2.89%
Earnings44/100
Return on assets (annualized): 0.60%
Funding & liquidity85/100
Loans ÷ deposits and uninsured-deposit share: 28.6% · 28.4% uninsured
Problem-loan coverage84/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 8.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (61 → 61).

TellerScore
547289Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202489
Q3 202488
Q4 202486
Q1 202587
Q2 202561
Q3 202588
Q4 202554
Q1 202656
Q2 202661
Tier 1 leverage ratio
5.00%10.12%15.25%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202414.04%
Q3 202414.03%
Q4 202413.63%
Q1 202514.13%
Q2 202514.35%
Q3 202514.37%
Q4 202514.00%
Q1 202614.38%
Q2 202615.25%
Noncurrent loans
0.00%2.55%5.10%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20255.10%
Q3 20250.00%
Q4 20253.32%
Q1 20263.26%
Q2 20262.89%
Return on assets
0.33%0.80%1.27%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.27%
Q3 20241.23%
Q4 20241.08%
Q1 20251.06%
Q2 20251.15%
Q3 20251.13%
Q4 20250.34%
Q1 20260.33%
Q2 20260.60%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202661$81.7M15.25%2.89%0.60%28.6%
Q1 202656$84.9M14.38%3.26%0.33%27.9%
Q4 202554$88.6M14.00%3.32%0.34%27.5%
Q3 202588$88.3M14.37%0.00%1.13%27.9%
Q2 202561$87.9M14.35%5.10%1.15%29.2%
Q1 202587$86.7M14.13%0.00%1.06%25.6%
Q4 202486$87.2M13.63%0.00%1.08%23.9%
Q3 202488$87.1M14.03%0.00%1.23%24.5%
Q2 202489$83.9M14.04%0.00%1.27%23.8%

546 peers · Under $100 million in assets

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio15.25%
70th
Total risk-based capital0.00%
27th
Problem loans2.89%
12th
Net charge-offs-0.43%
99th
Return on assets0.60%
31st
Net interest margin2.92%
14th
Efficiency ratio76.5%
39th
Loans to deposits28.6%
92nd
Uninsured deposits28.4%
14th
Loan-loss reserves1.71%
77th
Texas ratio8.0%
24th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens State BankBank Anton, TX84 out of 100, Strong$80.7M16.0%0.01%vs
The City National Bank of San SabaBank San Saba, TX81 out of 100, Strong$80.0M12.0%0.00%vs
The First Bank of CelesteBank Celeste, TX75 out of 100, Strong$83.9M8.4%0.00%vs
The First National Bank in FalfurriasBank Falfurrias, TX79 out of 100, Strong$79.4M9.8%0.08%vs
Zavala County BankBank Crystal City, TX93 out of 100, Very strong$79.0M15.7%0.03%vs
Pavillion BankBank Richardson, TX84 out of 100, Strong$78.4M15.5%0.00%vs

Deposit insurance

Is my money safe at Atascosa Bank?

Yes. Atascosa Bank is an FDIC-insured institution (FDIC certificate #24064). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 28.4% of deposits ($20.3M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 15.25%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Atascosa Bank lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Atascosa Bank
Former names
Atascosa National Bank
Type
State-chartered bank
FDIC certificate #
24064
RSSD ID
851060
Primary regulator
FDIC
Established
September 7, 1982
Headquarters
1525 W Oaklawn Rd, Pleasanton, TX 78064
Employees
10

Quick answers

Atascosa Bank: common questions

Is Atascosa Bank FDIC insured?

Yes. Atascosa Bank is an FDIC-insured institution (FDIC certificate #24064). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Atascosa Bank's TellerScore?

61 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Atascosa Bank ever failed?

There is no failure record for FDIC certificate #24064 in the FDIC failed bank list.

How many branches does Atascosa Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Pleasanton

InstitutionScoreAssetsCapitalProblem loansCompare
Texas Community BankBank Laredo, TX84 out of 100, Strong$2.2B12.8%0.20%vs
SouthTrust Bank, N.A.Bank George West, TX79 out of 100, Strong$578.8M12.5%0.27%vs
The Lytle State Bank of Lytle, TexasBank Lytle, TX79 out of 100, Strong$114.6M14.6%0.53%vs
Randolph-Brooks Federal Credit UnionCredit union Universal City, TX76 out of 100, Strong$19.6B13.4%1.27%vs
Security State BankBank Pearsall, TX74 out of 100, Strong$1.1B10.7%0.00%vs
First Commercial Bank, National AssociationBank Seguin, TX73 out of 100, Strong$565.9M10.3%0.45%vs