State National Bank is a national bank headquartered in Groom, Texas, in business for about 101 years. At the end of Q2 2026 it reported $55.1M in total assets and $47.7M in deposits, with 1 office.
State National Bank has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than only 45% of its 546 banks with under $100 million in assets. Among 349 banks headquartered in Texas, it ranks 209th. Loan quality contributes the most (88/100, 0.35%); earnings contributes the least (53/100, 0.83%).
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
From Q2 2025 to Q2 2026, the score rose 9 points (63 → 72), mostly because the earnings component improved by 53 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 67 |
| Q3 2024 | 67 |
| Q4 2024 | 69 |
| Q1 2025 | 68 |
| Q2 2025 | 63 |
| Q3 2025 | 62 |
| Q4 2025 | 61 |
| Q1 2026 | 73 |
| Q2 2026 | 72 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 20.40% |
| Q3 2024 | 20.37% |
| Q4 2024 | 16.91% |
| Q1 2025 | 14.25% |
| Q2 2025 | 12.76% |
| Q3 2025 | 12.06% |
| Q4 2025 | 11.70% |
| Q1 2026 | 11.35% |
| Q2 2026 | 12.60% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.56% |
| Q3 2024 | 0.48% |
| Q4 2024 | 0.49% |
| Q1 2025 | 0.41% |
| Q2 2025 | 0.36% |
| Q3 2025 | 0.35% |
| Q4 2025 | 0.35% |
| Q1 2026 | 0.36% |
| Q2 2026 | 0.35% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -1.79% |
| Q3 2024 | -1.50% |
| Q4 2024 | -1.16% |
| Q1 2025 | -6.45% |
| Q2 2025 | -3.09% |
| Q3 2025 | -2.97% |
| Q4 2025 | -2.23% |
| Q1 2026 | 1.20% |
| Q2 2026 | 0.83% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 72 | $55.1M | 12.60% | 0.35% | 0.83% | 90.3% |
| Q1 2026 | 73 | $60.9M | 11.35% | 0.36% | 1.20% | 83.9% |
| Q4 2025 | 61 | $62.3M | 11.70% | 0.35% | -2.23% | 86.2% |
| Q3 2025 | 62 | $61.3M | 12.06% | 0.35% | -2.97% | 84.0% |
| Q2 2025 | 63 | $60.6M | 12.76% | 0.36% | -3.09% | 84.4% |
| Q1 2025 | 68 | $59.4M | 14.25% | 0.41% | -6.45% | 79.5% |
| Q4 2024 | 69 | $51.9M | 16.91% | 0.49% | -1.16% | 86.0% |
| Q3 2024 | 67 | $49.0M | 20.37% | 0.48% | -1.50% | 91.9% |
| Q2 2024 | 67 | $43.8M | 20.40% | 0.56% | -1.79% | 88.7% |
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 |
|---|---|---|---|---|---|
| The First National Bank of MoodyBank Moody, TX | 92 out of 100, Very strong | $54.2M | 18.3% | 0.00% | vs |
| The Granger National BankBank Granger, TX | 73 out of 100, Strong | $53.5M | 13.6% | 0.11% | vs |
| Amistad BankBank Del Rio, TX | 86 out of 100, Very strong | $57.0M | 15.3% | 0.00% | vs |
| The First National Bank in CooperBank Cooper, TX | 72 out of 100, Strong | $57.3M | 13.1% | 1.44% | vs |
| Crowell State BankBank Crowell, TX | 79 out of 100, Strong | $57.5M | 11.0% | 0.89% | 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 State National Bank?
Yes. State National Bank is an FDIC-insured institution (FDIC certificate #3237). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 29.3% of deposits ($14.0M) 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 12.60%, 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%).
1 location
Branches
State National Bank lists 1 office in 1 city. Most locations:
- Groom, TX (1)
Identity & history
Profile
- Legal name
- State National Bank
- Former names
- The State National Bank of Groom
- Type
- National bank
- FDIC certificate #
- 3237
- RSSD ID
- 460556
- Primary regulator
- OCC
- Holding company
- Groom Bancshares Inc
- Established
- May 1, 1925
- Headquarters
- 99 Broadway Ave, Groom, TX 79039
- Website
- www.snb.bank
- Employees
- 9
Quick answers
State National Bank: common questions
Is State National Bank FDIC insured?
Yes. State National Bank is an FDIC-insured institution (FDIC certificate #3237). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is State National Bank's TellerScore?
72 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 State National Bank ever failed?
There is no failure record for FDIC certificate #3237 in the FDIC failed bank list.
How many branches does State National Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Groom
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Citizens BankBank Amarillo, TX | 82 out of 100, Strong | $309.8M | 10.1% | 0.01% | vs |
| Centennial BankBank Conway, AR | 79 out of 100, Strong | $24.6B | 12.6% | 0.55% | vs |
| Lefors Federal Credit UnionCredit union Lefors, TX | 75 out of 100, Strong | $3.0M | 23.2% | 1.12% | vs |
| Pilgrim BankBank Pittsburg, TX | 68 out of 100, Moderate | $714.6M | 10.2% | 0.15% | vs |
| Herring BankBank Amarillo, TX | 66 out of 100, Moderate | $540.5M | 12.2% | 0.55% | vs |
| The Donley County State BankBank Clarendon, TX | 66 out of 100, Moderate | $49.7M | 20.9% | 2.77% | vs |