TellerScore

Texana Bank, National Association is a national bank headquartered in Linden, Texas, in business for about 112 years. At the end of Q2 2026 it reported $330.6M in total assets and $291.1M in deposits, with 7 offices across 2 states.

Based on its Q2 2026 filing, Texana Bank, National Association scores 53/100, which we describe as below average. That is higher than only 9% of 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 322nd. Its strongest component is problem-loan coverage (75/100; 12.3%), and its lowest is funding & liquidity (31/100; 103% loans-to-deposits, 39% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion41/100
Tier 1 leverage ratio: 9.06%
Loan quality55/100
Noncurrent loans ÷ total loans: 1.36%
Earnings72/100
Return on assets (annualized): 1.30%
Funding & liquidity31/100
Loans ÷ deposits and uninsured-deposit share: 103.1% · 38.8% uninsured
Problem-loan coverage75/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 12.31%

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 fell 11 points (64 → 53), mostly because the loan quality component weakened by 41 points.

TellerScore
495764Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202462
Q3 202461
Q4 202462
Q1 202562
Q2 202564
Q3 202561
Q4 202562
Q1 202649
Q2 202653
Tier 1 leverage ratio
5.00%7.04%9.08%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.47%
Q3 20248.26%
Q4 20248.79%
Q1 20258.84%
Q2 20258.97%
Q3 20258.97%
Q4 20259.08%
Q1 20269.02%
Q2 20269.06%
Noncurrent loans
0.11%0.81%1.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.11%
Q3 20240.14%
Q4 20240.24%
Q1 20250.23%
Q2 20250.11%
Q3 20250.45%
Q4 20250.53%
Q1 20261.51%
Q2 20261.36%
Return on assets
1.12%1.33%1.54%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.12%
Q3 20241.20%
Q4 20241.17%
Q1 20251.14%
Q2 20251.19%
Q3 20251.31%
Q4 20251.54%
Q1 20261.19%
Q2 20261.30%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202653$330.6M9.06%1.36%1.30%103.1%
Q1 202649$352.8M9.02%1.51%1.19%115.8%
Q4 202562$340.0M9.08%0.53%1.54%121.4%
Q3 202561$304.1M8.97%0.45%1.31%108.2%
Q2 202564$310.6M8.97%0.11%1.19%110.3%
Q1 202562$300.1M8.84%0.23%1.14%109.3%
Q4 202462$293.5M8.79%0.24%1.17%104.8%
Q3 202461$312.6M8.26%0.14%1.20%113.1%
Q2 202462$308.4M8.47%0.11%1.12%111.5%

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 ratio9.06%
13th
Total risk-based capital0.00%
24th
Problem loans1.36%
20th
Net charge-offs-0.02%
90th
Return on assets1.30%
54th
Net interest margin4.08%
58th
Efficiency ratio92.4%
4th
Loans to deposits103.1%
7th
Uninsured deposits38.8%
12th
Loan-loss reserves1.22%
53rd
Texas ratio12.3%
14th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Commercial National Bank of TexarkanaBank Texarkana, TX58 out of 100, Moderate$330.1M10.0%1.99%vs
Global One BankBank Houston, TX84 out of 100, Strong$333.2M14.5%0.27%vs
Columbus State BankBank Columbus, TX86 out of 100, Very strong$326.5M14.5%0.00%vs
First State Bank of BurnetBank Burnet, TX86 out of 100, Very strong$325.8M12.5%0.13%vs
Security State BankBank Farwell, TX88 out of 100, Very strong$338.0M14.6%0.03%vs
Integrity Bank SSBBank Houston, TX78 out of 100, Strong$339.6M14.5%0.00%vs

Deposit insurance

Is my money safe at Texana Bank, National Association?

Yes. Texana Bank, National Association is an FDIC-insured institution (FDIC certificate #3302). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 38.8% of deposits ($112.8M) 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 9.06%, 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

7 locations

Branches

Texana Bank, National Association lists 7 offices in 5 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Texana Bank, National Association
Former names
The First National Bank of Linden
Type
National bank
FDIC certificate #
3302
RSSD ID
809650
Primary regulator
OCC
Holding company
Linden Bancshares Inc
Established
January 1, 1914
Headquarters
124 E Rush St, Linden, TX 75563
Employees
309

Quick answers

Texana Bank, National Association: common questions

Is Texana Bank, National Association FDIC insured?

Yes. Texana Bank, National Association is an FDIC-insured institution (FDIC certificate #3302). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Texana Bank, National Association's TellerScore?

53 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Texana Bank, National Association ever failed?

There is no failure record for FDIC certificate #3302 in the FDIC failed bank list.

How many branches does Texana Bank, National Association have?

7 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Linden

InstitutionScoreAssetsCapitalProblem loansCompare
Domino Federal Credit UnionCredit union Texarkana, TX96 out of 100, Very strong$86.6M17.5%0.35%vs
East Texas Professional Credit UnionCredit union Longview, TX90 out of 100, Very strong$1.4B19.4%0.41%vs
Community BankBank Longview, TX82 out of 100, Strong$315.5M11.9%0.00%vs
State Bank of De KalbBank De Kalb, TX82 out of 100, Strong$519.9M12.2%0.24%vs
Texar Federal Credit UnionCredit union Texarkana, TX81 out of 100, Strong$440.5M16.4%0.72%vs
The City National Bank of Sulphur SpringsBank Sulphur Springs, TX78 out of 100, Strong$1.4B9.8%0.15%vs