TellerScore

Junction National Bank is a national bank headquartered in Junction, Texas, in business for about 91 years. At the end of Q2 2026 it reported $93.0M in total assets and $84.6M in deposits, with 1 office.

Junction National Bank has a TellerScore of 86 out of 100 (very strong) based on Q2 2026 data — higher than 81% of its 546 banks with under $100 million in assets. Among 349 banks headquartered in Texas, it ranks 45th. Loan quality contributes the most (100/100, 0.00%); capital cushion contributes the least (70/100, 12.04%).

TellerScore · Q2 2026

Scorecard

Capital cushion70/100
Tier 1 leverage ratio: 12.04%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings84/100
Return on assets (annualized): 1.60%
Funding & liquidity90/100
Loans ÷ deposits and uninsured-deposit share: 25.0% · 24.5% 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 2 points (84 → 86), mostly because the earnings component improved by 5 points.

TellerScore
838586Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202483
Q3 202483
Q4 202483
Q1 202584
Q2 202584
Q3 202585
Q4 202583
Q1 202684
Q2 202686
Tier 1 leverage ratio
5.00%8.52%12.04%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202410.75%
Q3 202411.02%
Q4 202411.22%
Q1 202511.71%
Q2 202511.61%
Q3 202511.76%
Q4 202511.45%
Q1 202611.46%
Q2 202612.04%
Noncurrent loans
0.00%0.02%0.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.04%
Q3 20240.04%
Q4 20240.03%
Q1 20250.02%
Q2 20250.02%
Q3 20250.01%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
1.43%1.53%1.64%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.64%
Q3 20241.56%
Q4 20241.50%
Q1 20251.43%
Q2 20251.47%
Q3 20251.49%
Q4 20251.46%
Q1 20261.47%
Q2 20261.60%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202686$93.0M12.04%0.00%1.60%25.0%
Q1 202684$95.4M11.46%0.00%1.47%24.2%
Q4 202583$94.6M11.45%0.00%1.46%24.1%
Q3 202585$92.4M11.76%0.01%1.49%24.3%
Q2 202584$88.7M11.61%0.02%1.47%25.6%
Q1 202584$87.3M11.71%0.02%1.43%26.2%
Q4 202483$84.8M11.22%0.03%1.50%27.0%
Q3 202483$87.4M11.02%0.04%1.56%26.5%
Q2 202483$87.1M10.75%0.04%1.64%24.3%

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 ratio12.04%
41st
Total risk-based capital0.00%
27th
Problem loans0.00%
84th
Net charge-offs-0.02%
89th
Return on assets1.60%
79th
Net interest margin3.24%
21st
Efficiency ratio54.2%
84th
Loans to deposits25.0%
93rd
Uninsured deposits24.5%
21st
Loan-loss reserves1.60%
74th
Texas ratio0.0%
85th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
The First National Bank of TrinityBank Trinity, TX73 out of 100, Strong$92.8M9.2%0.00%vs
Menard BankBank Menard, TX87 out of 100, Very strong$90.7M12.7%0.00%vs
First National BankBank Rotan, TX42 out of 100, Below average$96.5M9.7%3.09%vs
Bandera BankBank Bandera, TX89 out of 100, Very strong$89.3M12.3%0.30%vs
Angelina Savings Bank, SSBBank Lufkin, TX80 out of 100, Strong$86.9M11.4%0.16%vs
The First Bank of CelesteBank Celeste, TX75 out of 100, Strong$83.9M8.4%0.00%vs

Deposit insurance

Is my money safe at Junction National Bank?

Yes. Junction National Bank is an FDIC-insured institution (FDIC certificate #15078). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 24.5% of deposits ($20.7M) 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 12.04%, 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

Junction National Bank lists 1 office in 1 city. Most locations:

  • Junction, TX (1)

All branch addresses and map

Identity & history

Profile

Legal name
Junction National Bank
Type
National bank
FDIC certificate #
15078
RSSD ID
741152
Primary regulator
OCC
Established
April 1, 1935
Headquarters
701 Main St, Junction, TX 76849
Employees
11

Quick answers

Junction National Bank: common questions

Is Junction National Bank FDIC insured?

Yes. Junction National Bank is an FDIC-insured institution (FDIC certificate #15078). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Junction National Bank's TellerScore?

86 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 Junction National Bank ever failed?

There is no failure record for FDIC certificate #15078 in the FDIC failed bank list.

How many branches does Junction National Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Junction

InstitutionScoreAssetsCapitalProblem loansCompare
First State BankBank Junction, TX78 out of 100, Strong$58.2M10.6%0.37%vs
Kerr County Federal Credit UnionCredit union Kerrville, TX67 out of 100, Moderate$156.2M12.1%1.17%vs