TellerScore

Big Bend Banks, N.A. (FDIC certificate #3320) is based in Marfa, Texas. Its Q2 2026 call report shows $165.4M in total assets and $140.9M in deposits and 2 offices.

Based on its Q2 2026 filing, Big Bend Banks, N.A. scores 95/100, which we describe as very strong. That is higher than 99% of 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 8th. Its strongest component is capital cushion (100/100; 16.23%), and its lowest is earnings (85/100; 1.62%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 16.23%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings85/100
Return on assets (annualized): 1.62%
Funding & liquidity86/100
Loans ÷ deposits and uninsured-deposit share: 15.0% · 27.5% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

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

From Q2 2025 to Q2 2026, the score rose 3 points (92 → 95), mostly because the earnings component improved by 8 points.

TellerScore
929495Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202495
Q3 202495
Q4 202494
Q1 202593
Q2 202592
Q3 202594
Q4 202594
Q1 202695
Q2 202695
Tier 1 leverage ratio
5.00%10.61%16.23%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202414.30%
Q3 202414.58%
Q4 202414.53%
Q1 202515.13%
Q2 202515.12%
Q3 202515.24%
Q4 202515.26%
Q1 202615.25%
Q2 202616.23%
Noncurrent loans
0.00%0.11%0.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.01%
Q4 20240.00%
Q1 20250.00%
Q2 20250.22%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
1.33%1.62%1.91%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.91%
Q3 20241.80%
Q4 20241.72%
Q1 20251.33%
Q2 20251.42%
Q3 20251.46%
Q4 20251.56%
Q1 20261.59%
Q2 20261.62%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202695$165.4M16.23%0.00%1.62%15.0%
Q1 202695$166.1M15.25%0.00%1.59%14.6%
Q4 202594$169.4M15.26%0.00%1.56%14.2%
Q3 202594$163.0M15.24%0.00%1.46%14.4%
Q2 202592$161.8M15.12%0.22%1.42%13.8%
Q1 202593$156.5M15.13%0.00%1.33%14.6%
Q4 202494$156.3M14.53%0.00%1.72%14.9%
Q3 202495$156.1M14.58%0.01%1.80%16.1%
Q2 202495$156.4M14.30%0.00%1.91%15.7%

2,650 peers · $100 million – $1 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 ratio16.23%
91st
Total risk-based capital0.00%
24th
Problem loans0.00%
94th
Net charge-offs0.37%
7th
Return on assets1.62%
72nd
Net interest margin3.72%
38th
Efficiency ratio64.5%
44th
Loans to deposits15.0%
99th
Uninsured deposits27.5%
36th
Loan-loss reserves2.70%
98th
Texas ratio0.0%
95th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Normangee State BankBank Normangee, TX86 out of 100, Very strong$165.5M14.7%0.03%vs
The First National Bank of QuitaqueBank Quitaque, TX65 out of 100, Moderate$167.1M10.6%1.71%vs
The First National Bank of Eagle LakeBank Eagle Lake, TX60 out of 100, Moderate$167.7M11.4%2.25%vs
The Brady National BankBank Brady, TX75 out of 100, Strong$167.7M10.0%0.00%vs
Fidelity Bank of TexasBank Waco, TX61 out of 100, Moderate$162.8M10.6%0.05%vs
Fannin BankBank Bonham, TX65 out of 100, Moderate$159.1M8.6%1.04%vs

Deposit insurance

Is my money safe at Big Bend Banks, N.A.?

Yes. Big Bend Banks, N.A. is an FDIC-insured institution (FDIC certificate #3320). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.5% of deposits ($38.7M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 16.23%, 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

2 locations

Branches

Big Bend Banks, N.A. lists 2 offices in 2 cities. Most locations:

  • Marfa, TX (1)
  • Presidio, TX (1)

All branch addresses and map

Identity & history

Profile

Legal name
Big Bend Banks, N.A.
Former names
The Marfa National Bank
Type
National bank
FDIC certificate #
3320
RSSD ID
362856
Primary regulator
OCC
Holding company
Big Bend Bancshares Corp
Established
May 2, 1907
Headquarters
301 South Highland Avenue, Marfa, TX 79843
Employees
30

Quick answers

Big Bend Banks, N.A.: common questions

Is Big Bend Banks, N.A. FDIC insured?

Yes. Big Bend Banks, N.A. is an FDIC-insured institution (FDIC certificate #3320). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Big Bend Banks, N.A.'s TellerScore?

95 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 Big Bend Banks, N.A. ever failed?

There is no failure record for FDIC certificate #3320 in the FDIC failed bank list.

How many branches does Big Bend Banks, N.A. have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Marfa

InstitutionScoreAssetsCapitalProblem loansCompare
Westex Community Credit UnionCredit union Kermit, TX94 out of 100, Very strong$231.4M15.4%0.63%vs
Alpine Community Credit UnionCredit union Alpine, TX86 out of 100, Very strong$14.5M16.6%0.39%vs
Maverick BankBank Fort Davis, TX76 out of 100, Strong$809.1M8.8%0.01%vs
West Texas National BankBank Midland, TX60 out of 100, Moderate$2.9B10.5%1.67%vs
Transpecos Banks, SSBBank Pecos, TX14 out of 100, Low$972.1M6.7%8.15%vs