Headquartered in Abilene, Texas, Avana Bank is a state-chartered bank (fed member) with $39.6M in total assets and $30.6M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1903.
Based on its Q2 2026 filing, Avana Bank scores 79/100, which we describe as strong. That is higher than 63% of 546 banks with under $100 million in assets. Among 349 banks headquartered in Texas, it ranks 113th. Its strongest component is capital cushion (100/100; 17.52%), and its lowest is earnings (3/100; -0.42%).
TellerScore · Q2 2026
Scorecard
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 (79 → 79).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 87 |
| Q3 2024 | 86 |
| Q4 2024 | 82 |
| Q1 2025 | 79 |
| Q2 2025 | 79 |
| Q3 2025 | 79 |
| Q4 2025 | 84 |
| Q1 2026 | 80 |
| Q2 2026 | 79 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 17.90% |
| Q3 2024 | 17.94% |
| Q4 2024 | 17.46% |
| Q1 2025 | 16.56% |
| Q2 2025 | 17.42% |
| Q3 2025 | 17.27% |
| Q4 2025 | 18.75% |
| Q1 2026 | 17.38% |
| Q2 2026 | 17.52% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.05% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.40% |
| Q3 2024 | 0.27% |
| Q4 2024 | -0.22% |
| Q1 2025 | -0.79% |
| Q2 2025 | -1.01% |
| Q3 2025 | -1.07% |
| Q4 2025 | 0.19% |
| Q1 2026 | -0.33% |
| Q2 2026 | -0.42% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 79 | $39.6M | 17.52% | 0.00% | -0.42% | 46.3% |
| Q1 2026 | 80 | $39.2M | 17.38% | 0.00% | -0.33% | 48.3% |
| Q4 2025 | 84 | $40.6M | 18.75% | 0.00% | 0.19% | 41.4% |
| Q3 2025 | 79 | $37.8M | 17.27% | 0.00% | -1.07% | 34.2% |
| Q2 2025 | 79 | $38.3M | 17.42% | 0.05% | -1.01% | 35.1% |
| Q1 2025 | 79 | $41.8M | 16.56% | 0.00% | -0.79% | 26.5% |
| Q4 2024 | 82 | $39.2M | 17.46% | 0.00% | -0.22% | 28.2% |
| Q3 2024 | 86 | $39.5M | 17.94% | 0.00% | 0.27% | 30.4% |
| Q2 2024 | 87 | $38.4M | 17.90% | 0.00% | 0.40% | 31.7% |
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).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Houston Bank & TrustBank Houston, TX | 73 out of 100, Strong | $38.5M | 93.0% | 0.00% | vs |
| The Bank of San Jacinto County, Coldspring, TexasBank Coldspring, TX | 97 out of 100, Very strong | $42.0M | 17.8% | 0.00% | vs |
| Robert Lee State BankBank Robert Lee, TX | 64 out of 100, Moderate | $42.9M | 14.1% | 2.09% | vs |
| The Donley County State BankBank Clarendon, TX | 66 out of 100, Moderate | $49.7M | 20.9% | 2.77% | vs |
| Brazos National BankBank Richwood, TX | 62 out of 100, Moderate | $27.6M | 56.1% | 5.07% | vs |
| Lovelady State BankBank Lovelady, TX | 73 out of 100, Strong | $52.5M | 12.8% | 1.42% | vs |
Deposit insurance
Is my money safe at Avana Bank?
Yes. Avana Bank is an FDIC-insured institution (FDIC certificate #10704). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 25.4% of deposits ($7.8M) 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 17.52%, 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%).
3 locations
Branches
Avana Bank lists 2 offices in 2 cities. Most locations:
- Abilene, TX (1)
- Menard, TX (1)
Identity & history
Profile
- Legal name
- Avana Bank
- Former names
- First State Bank; The Bevans State Bank of Menard
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 10704
- RSSD ID
- 498456
- Primary regulator
- FED
- Holding company
- Abilene Holdco Inc
- Established
- June 3, 1903
- Headquarters
- 2118 S Treadaway Blvd, Abilene, TX 79602
- Website
- www.avana.bank
- Employees
- 10
Quick answers
Avana Bank: common questions
Is Avana Bank FDIC insured?
Yes. Avana Bank is an FDIC-insured institution (FDIC certificate #10704). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Avana Bank's TellerScore?
79 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Avana Bank ever failed?
There is no failure record for FDIC certificate #10704 in the FDIC failed bank list.
How many branches does Avana Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Abilene
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Abilene Teachers Federal Credit UnionCredit union Abilene, TX | 95 out of 100, Very strong | $690.4M | 18.8% | 0.31% | vs |
| Citizens Federal Credit UnionCredit union Big Spring, TX | 90 out of 100, Very strong | $201.9M | 14.6% | 0.13% | vs |
| Haskell National BankBank Haskell, TX | 88 out of 100, Very strong | $72.6M | 13.6% | 0.00% | vs |
| Txdot Credit UnionCredit union Abilene, TX | 81 out of 100, Strong | $18.2M | 17.2% | 0.54% | vs |
| Centennial BankBank Conway, AR | 79 out of 100, Strong | $24.6B | 12.6% | 0.55% | vs |
| Clear Fork Bank, National AssociationBank Albany, TX | 79 out of 100, Strong | $1.0B | 10.6% | 0.26% | vs |