TellerScore

Headquartered in Jacksonville, Texas, Austin Bank, Texas National Association is a national bank with $3.3B in total assets and $2.8B in deposits as of Q2 2026. It operates 39 offices. Its charter dates back to 1900.

Based on its Q2 2026 filing, Austin Bank, Texas National Association scores 88/100, which we describe as very strong. That is higher than 98% of 897 banks with $1 billion – $10 billion. Among 349 banks headquartered in Texas, it ranks 25th. Its strongest component is capital cushion (100/100; 15.12%), and its lowest is funding & liquidity (60/100; 88% loans-to-deposits, 26% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 15.12%
Loan quality80/100
Noncurrent loans ÷ total loans: 0.60%
Earnings100/100
Return on assets (annualized): 2.08%
Funding & liquidity60/100
Loans ÷ deposits and uninsured-deposit share: 88.0% · 26.0% uninsured
Problem-loan coverage94/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.11%

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

From Q2 2025 to Q2 2026, the score rose 4 points (84 → 88), mostly because the earnings component improved by 11 points.

TellerScore
838689Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202483
Q3 202484
Q4 202484
Q1 202584
Q2 202584
Q3 202585
Q4 202586
Q1 202689
Q2 202688
Tier 1 leverage ratio
5.00%10.06%15.12%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202414.06%
Q3 202414.37%
Q4 202414.31%
Q1 202514.30%
Q2 202514.10%
Q3 202514.36%
Q4 202514.53%
Q1 202615.03%
Q2 202615.12%
Noncurrent loans
0.36%0.48%0.60%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.36%
Q3 20240.46%
Q4 20240.47%
Q1 20250.48%
Q2 20250.48%
Q3 20250.53%
Q4 20250.60%
Q1 20260.57%
Q2 20260.60%
Return on assets
1.55%1.82%2.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.55%
Q3 20241.57%
Q4 20241.64%
Q1 20251.55%
Q2 20251.71%
Q3 20251.82%
Q4 20251.92%
Q1 20262.04%
Q2 20262.08%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202688$3.3B15.12%0.60%2.08%88.0%
Q1 202689$3.3B15.03%0.57%2.04%89.9%
Q4 202586$3.2B14.53%0.60%1.92%92.1%
Q3 202585$3.2B14.36%0.53%1.82%91.0%
Q2 202584$3.1B14.10%0.48%1.71%92.3%
Q1 202584$3.1B14.30%0.48%1.55%91.2%
Q4 202484$2.9B14.31%0.47%1.64%94.0%
Q3 202484$2.9B14.37%0.46%1.57%93.1%
Q2 202483$2.8B14.06%0.36%1.55%95.1%

897 peers · $1 billion – $10 billion

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 ratio15.12%
93rd
Total risk-based capital0.00%
13th
Problem loans0.60%
43rd
Net charge-offs0.05%
45th
Return on assets2.08%
91st
Net interest margin5.25%
96th
Efficiency ratio51.3%
73rd
Loans to deposits88.0%
48th
Uninsured deposits26.0%
68th
Loan-loss reserves1.46%
84th
Texas ratio3.1%
55th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Lone Star National BankBank Pharr, TX72 out of 100, Strong$3.3B12.9%1.06%vs
WestStar BankBank El Paso, TX80 out of 100, Strong$3.3B12.3%0.00%vs
Monet BankBank Plano, TX65 out of 100, Moderate$3.2B31.7%25.76%vs
Cornerstone Capital Bank, SSBBank Houston, TX32 out of 100, Low$3.7B10.3%3.62%vs
Susser BankBank Dallas, TX65 out of 100, Moderate$3.0B10.1%0.42%vs
TIB National AssociationBank Farmers Branch, TX76 out of 100, Strong$3.0B13.2%0.84%vs

Deposit insurance

Is my money safe at Austin Bank, Texas National Association?

Yes. Austin Bank, Texas National Association is an FDIC-insured institution (FDIC certificate #3276). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 26.0% of deposits ($728.7M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 15.12%, 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

39 locations

Branches

Austin Bank, Texas National Association lists 38 offices in 29 cities. Most locations:

  • Longview, TX (5)
  • Tyler, TX (5)
  • Jacksonville, TX (2)
  • Big Sandy, TX (1)
  • Bullard, TX (1)
  • Cleveland, TX (1)
  • Emory, TX (1)
  • Flint, TX (1)
  • Frankston, TX (1)
  • Garrison, TX (1)
  • Gilmer, TX (1)
  • Gladewater, TX (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Austin Bank, Texas National Association reported 938 home-loan applications under HMDA (LEI 5493008R64K2UUN2NP30): 644 originated ($179,230,000 total), 158 denied, and 124 withdrawn or closed by the applicant. Its denial rate on decided applications was 19.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Austin Bank, Texas National Association
Former names
The First National Bank of Jacksonville
Type
National bank
FDIC certificate #
3276
RSSD ID
548351
Primary regulator
OCC
Holding company
Jsa Family Ltd Partnership
Established
October 1, 1900
Headquarters
200 E Commerce St, Jacksonville, TX 75766
Employees
533

Quick answers

Austin Bank, Texas National Association: common questions

Is Austin Bank, Texas National Association FDIC insured?

Yes. Austin Bank, Texas National Association is an FDIC-insured institution (FDIC certificate #3276). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Austin Bank, Texas National Association's TellerScore?

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

Has Austin Bank, Texas National Association ever failed?

There is no failure record for FDIC certificate #3276 in the FDIC failed bank list.

How many branches does Austin Bank, Texas National Association have?

39 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Jacksonville

InstitutionScoreAssetsCapitalProblem loansCompare
Trinity Valley Teachers Credit UnionCredit union Palestine, TX91 out of 100, Very strong$31.6M31.3%0.59%vs
East Texas Professional Credit UnionCredit union Longview, TX90 out of 100, Very strong$1.4B19.4%0.41%vs
Citizens 1st BankBank Tyler, TX83 out of 100, Strong$811.0M20.5%0.53%vs
Keystone Credit UnionCredit union Tyler, TX80 out of 100, Strong$40.2M27.4%0.68%vs
Cherokee County Federal Credit UnionCredit union Rusk, TX78 out of 100, Strong$44.8M27.3%1.11%vs
Anderson County Federal Credit UnionCredit union Palestine, TX78 out of 100, Strong$27.3M17.2%2.32%vs