TellerScore

Texas National Bank (FDIC certificate #3337) is based in Mcallen, Texas. Its Q2 2026 call report shows $1.2B in total assets and $1.1B in deposits and 14 offices.

Based on its Q2 2026 filing, Texas National Bank scores 70/100, which we describe as strong. That is higher than 58% of 897 banks with $1 billion – $10 billion. Among 349 banks headquartered in Texas, it ranks 222nd. Its strongest component is problem-loan coverage (95/100; 2.3%), and its lowest is capital cushion (52/100; 10.17%).

TellerScore · Q2 2026

Scorecard

Capital cushion52/100
Tier 1 leverage ratio: 10.17%
Loan quality91/100
Noncurrent loans ÷ total loans: 0.28%
Earnings67/100
Return on assets (annualized): 1.16%
Funding & liquidity58/100
Loans ÷ deposits and uninsured-deposit share: 69.8% · 43.8% uninsured
Problem-loan coverage95/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.30%

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 2 points (72 → 70), mostly because the earnings component weakened by 8 points.

TellerScore
656973Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202465
Q3 202466
Q4 202466
Q1 202573
Q2 202572
Q3 202572
Q4 202573
Q1 202670
Q2 202670
Tier 1 leverage ratio
5.00%7.94%10.87%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202410.58%
Q3 202410.83%
Q4 202410.75%
Q1 202510.67%
Q2 202510.87%
Q3 202510.70%
Q4 202510.67%
Q1 202610.28%
Q2 202610.17%
Noncurrent loans
0.13%0.39%0.64%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.64%
Q3 20240.61%
Q4 20240.53%
Q1 20250.13%
Q2 20250.35%
Q3 20250.35%
Q4 20250.29%
Q1 20260.28%
Q2 20260.28%
Return on assets
0.85%1.13%1.41%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.85%
Q3 20240.96%
Q4 20240.98%
Q1 20251.33%
Q2 20251.37%
Q3 20251.38%
Q4 20251.41%
Q1 20261.13%
Q2 20261.16%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$1.2B10.17%0.28%1.16%69.8%
Q1 202670$1.2B10.28%0.28%1.13%71.1%
Q4 202573$1.2B10.67%0.29%1.41%72.0%
Q3 202572$1.0B10.70%0.35%1.38%74.7%
Q2 202572$980.1M10.87%0.35%1.37%77.6%
Q1 202573$969.4M10.67%0.13%1.33%75.2%
Q4 202466$955.5M10.75%0.53%0.98%77.0%
Q3 202466$902.9M10.83%0.61%0.96%79.6%
Q2 202465$841.2M10.58%0.64%0.85%74.1%

897 peers · $1 billion – $10 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 ratio10.17%
42nd
Total risk-based capital16.33%
78th
Problem loans0.28%
70th
Net charge-offs0.06%
39th
Return on assets1.16%
42nd
Net interest margin4.50%
88th
Efficiency ratio65.1%
32nd
Loans to deposits69.8%
84th
Uninsured deposits43.8%
19th
Loan-loss reserves1.39%
80th
Texas ratio2.3%
66th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens State BankBank Somerville, TX66 out of 100, Moderate$1.2B12.9%1.99%vs
Dallas Capital Bank, National AssociationBank Dallas, TX68 out of 100, Moderate$1.2B11.3%0.00%vs
The First National Bank of BastropBank Bastrop, TX77 out of 100, Strong$1.2B11.6%0.33%vs
PointbankBank Pilot Point, TX53 out of 100, Below average$1.2B9.0%1.77%vs
Legend Bank, N.A.Bank Bowie, TX82 out of 100, Strong$1.3B10.4%0.12%vs
Security State BankBank Pearsall, TX74 out of 100, Strong$1.1B10.7%0.00%vs

Deposit insurance

Is my money safe at Texas National Bank?

Yes. Texas National Bank is an FDIC-insured institution (FDIC certificate #3337). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 43.8% of deposits ($468.4M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.17%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.33% (benchmark: 10%).

Check how much of your own balance is covered

14 locations

Branches

Texas National Bank lists 14 offices in 12 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Texas National Bank
Former names
Mercedes National Bank; The First National Bank of Mercedes
Type
National bank
FDIC certificate #
3337
RSSD ID
497954
Primary regulator
OCC
Holding company
Tnb Bancshares Inc
Established
November 26, 1920
Headquarters
6901 N 10th St, Mcallen, TX 78504
Employees
194

Quick answers

Texas National Bank: common questions

Is Texas National Bank FDIC insured?

Yes. Texas National Bank is an FDIC-insured institution (FDIC certificate #3337). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Texas National Bank's TellerScore?

70 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 Texas National Bank ever failed?

There is no failure record for FDIC certificate #3337 in the FDIC failed bank list.

How many branches does Texas National Bank have?

14 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Mcallen

InstitutionScoreAssetsCapitalProblem loansCompare
Highway District 21 Federal Credit UnionCredit union McAllen, TX95 out of 100, Very strong$51.6M23.1%0.23%vs
Naft Federal Credit UnionCredit union Pharr, TX93 out of 100, Very strong$162.3M16.4%0.50%vs
Bank of South TexasBank Mcallen, TX86 out of 100, Very strong$174.5M16.6%0.23%vs
Falcon International BankBank Laredo, TX85 out of 100, Very strong$2.2B13.4%0.00%vs
Edinburg Teachers Credit UnionCredit union Edinburg, TX85 out of 100, Very strong$98.0M22.6%0.12%vs
Texas Community BankBank Laredo, TX84 out of 100, Strong$2.2B12.8%0.20%vs