TellerScore

Llano National Bank is a national bank headquartered in Llano, Texas, in business for about 43 years. At the end of Q2 2026 it reported $301.1M in total assets and $265.9M in deposits, with 5 offices.

Based on its Q2 2026 filing, Llano National Bank scores 80/100, which we describe as strong. That is higher than 77% of 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 95th. Its strongest component is problem-loan coverage (96/100; 2.2%), and its lowest is earnings (61/100; 1.02%).

TellerScore · Q2 2026

Scorecard

Capital cushion81/100
Tier 1 leverage ratio: 13.11%
Loan quality85/100
Noncurrent loans ÷ total loans: 0.45%
Earnings61/100
Return on assets (annualized): 1.02%
Funding & liquidity84/100
Loans ÷ deposits and uninsured-deposit share: 64.0% · 26.1% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.22%

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 (77 → 80), mostly because the capital cushion component improved by 7 points.

TellerScore
727680Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202475
Q4 202476
Q1 202576
Q2 202577
Q3 202576
Q4 202575
Q1 202677
Q2 202680
Tier 1 leverage ratio
5.00%9.05%13.11%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.80%
Q3 202412.02%
Q4 202412.18%
Q1 202512.17%
Q2 202512.45%
Q3 202512.62%
Q4 202512.67%
Q1 202612.37%
Q2 202613.11%
Noncurrent loans
0.43%0.67%0.91%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.91%
Q3 20240.56%
Q4 20240.58%
Q1 20250.58%
Q2 20250.53%
Q3 20250.73%
Q4 20250.79%
Q1 20260.43%
Q2 20260.45%
Return on assets
0.89%0.98%1.07%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.89%
Q3 20240.95%
Q4 20240.96%
Q1 20251.07%
Q2 20251.06%
Q3 20251.06%
Q4 20251.04%
Q1 20260.96%
Q2 20261.02%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202680$301.1M13.11%0.45%1.02%64.0%
Q1 202677$311.3M12.37%0.43%0.96%62.2%
Q4 202575$319.4M12.67%0.79%1.04%56.6%
Q3 202576$296.1M12.62%0.73%1.06%62.2%
Q2 202577$301.7M12.45%0.53%1.06%60.8%
Q1 202576$299.8M12.17%0.58%1.07%63.1%
Q4 202476$289.0M12.18%0.58%0.96%62.4%
Q3 202475$294.2M12.02%0.56%0.95%62.0%
Q2 202472$294.6M11.80%0.91%0.89%59.9%

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 ratio13.11%
76th
Total risk-based capital0.00%
24th
Problem loans0.45%
48th
Net charge-offs0.20%
13th
Return on assets1.02%
35th
Net interest margin3.82%
44th
Efficiency ratio70.1%
30th
Loans to deposits64.0%
78th
Uninsured deposits26.1%
42nd
Loan-loss reserves1.92%
92nd
Texas ratio2.2%
56th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Freedom BankBank Alamo, TX80 out of 100, Strong$301.2M12.2%0.17%vs
Citizens National Bank at BrownwoodBank Brownwood, TX74 out of 100, Strong$303.4M10.5%0.74%vs
ValueBank TexasBank Corpus Christi, TX85 out of 100, Very strong$303.6M12.5%0.00%vs
Arrowhead BankBank Llano, TX87 out of 100, Very strong$295.3M11.9%0.00%vs
Coleman County State BankBank Coleman, TX78 out of 100, Strong$295.1M8.6%0.05%vs
Sundown State BankBank Sundown, TX79 out of 100, Strong$307.7M11.6%0.84%vs

Deposit insurance

Is my money safe at Llano National Bank?

Yes. Llano National Bank is an FDIC-insured institution (FDIC certificate #24305). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 26.1% of deposits ($69.4M) 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 13.11%, 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

5 locations

Branches

Llano National Bank lists 4 offices in 4 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Llano National Bank
Type
National bank
FDIC certificate #
24305
RSSD ID
946555
Primary regulator
OCC
Holding company
Hill Country Bancshares Inc
Established
January 17, 1983
Headquarters
1001 Ford St, Llano, TX 78643
Employees
45

Quick answers

Llano National Bank: common questions

Is Llano National Bank FDIC insured?

Yes. Llano National Bank is an FDIC-insured institution (FDIC certificate #24305). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Llano National Bank's TellerScore?

80 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 Llano National Bank ever failed?

There is no failure record for FDIC certificate #24305 in the FDIC failed bank list.

How many branches does Llano National Bank have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Llano

InstitutionScoreAssetsCapitalProblem loansCompare
Arrowhead BankBank Llano, TX87 out of 100, Very strong$295.3M11.9%0.00%vs
ValueBank TexasBank Corpus Christi, TX85 out of 100, Very strong$303.6M12.5%0.00%vs
The Commercial National Bank of BradyBank Brady, TX78 out of 100, Strong$425.4M10.2%0.00%vs
Bank of the WestBank Grapevine, TX74 out of 100, Strong$829.8M9.7%0.00%vs
Prosperity BankBank El Campo, TX71 out of 100, Strong$43.9B10.6%0.48%vs
Security State Bank & TrustBank Fredericksburg, TX66 out of 100, Moderate$2.2B12.6%2.22%vs