TellerScore

Texas National Bank is a national bank headquartered in Sweetwater, Texas, in business for about 31 years. At the end of Q2 2026 it reported $139.1M in total assets and $128.1M in deposits, with 2 offices.

Based on its Q2 2026 filing, Texas National Bank scores 74/100, which we describe as strong. That is higher than 57% of 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 181st. Its strongest component is loan quality (100/100; 0.00%), and its lowest is earnings (35/100; 0.38%).

TellerScore · Q2 2026

Scorecard

Capital cushion60/100
Tier 1 leverage ratio: 10.97%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings35/100
Return on assets (annualized): 0.38%
Funding & liquidity94/100
Loans ÷ deposits and uninsured-deposit share: 33.1% · 20.8% 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

The score has been essentially flat from Q2 2025 to Q2 2026 (73 → 74).

TellerScore
667175Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202466
Q3 202469
Q4 202469
Q1 202570
Q2 202573
Q3 202575
Q4 202575
Q1 202673
Q2 202674
Tier 1 leverage ratio
5.00%8.03%11.05%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 20249.24%
Q3 202410.11%
Q4 202410.18%
Q1 202510.34%
Q2 202510.94%
Q3 202511.00%
Q4 202511.05%
Q1 202611.00%
Q2 202610.97%
Noncurrent loans
-1.00%0.00%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.06%0.31%0.56%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.09%
Q3 20240.06%
Q4 20240.07%
Q1 20250.20%
Q2 20250.27%
Q3 20250.53%
Q4 20250.56%
Q1 20260.35%
Q2 20260.38%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$139.1M10.97%0.00%0.38%33.1%
Q1 202673$141.0M11.00%0.00%0.35%28.2%
Q4 202575$139.7M11.05%0.00%0.56%28.0%
Q3 202575$140.1M11.00%0.00%0.53%27.7%
Q2 202573$138.1M10.94%0.00%0.27%27.5%
Q1 202570$140.2M10.34%0.00%0.20%26.0%
Q4 202469$142.9M10.18%0.00%0.07%29.4%
Q3 202469$147.3M10.11%0.00%0.06%30.0%
Q2 202466$146.6M9.24%0.00%0.09%31.1%

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 ratio10.97%
50th
Total risk-based capital25.99%
94th
Problem loans0.00%
94th
Net charge-offs0.00%
68th
Return on assets0.38%
9th
Net interest margin3.08%
12th
Efficiency ratio89.0%
6th
Loans to deposits33.1%
98th
Uninsured deposits20.8%
61st
Loan-loss reserves1.40%
72nd
Texas ratio0.0%
95th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
The Buckholts State BankBank Buckholts, TX96 out of 100, Very strong$138.8M17.6%0.02%vs
First State Bank of BrownsboroBank Brownsboro, TX73 out of 100, Strong$139.9M10.4%0.52%vs
Peoples State BankBank Rocksprings, TX80 out of 100, Strong$140.0M11.0%0.10%vs
Spur Security BankBank Spur, TX77 out of 100, Strong$140.6M12.4%0.00%vs
Pointwest BankBank West, TX90 out of 100, Very strong$137.3M12.5%0.00%vs
Marion State BankBank Marion, TX77 out of 100, Strong$142.0M14.7%1.87%vs

Deposit insurance

Is my money safe at Texas National Bank?

Yes. Texas National Bank is an FDIC-insured institution (FDIC certificate #34014). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 20.8% of deposits ($26.6M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.97%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 25.99% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

Texas National Bank lists 2 offices in 2 cities. Most locations:

  • Sweetwater, TX (1)
  • Tuscola, TX (1)

All branch addresses and map

Identity & history

Profile

Legal name
Texas National Bank
Type
National bank
FDIC certificate #
34014
RSSD ID
1435092
Primary regulator
OCC
Holding company
Mesa Financial Corp
Established
May 8, 1995
Headquarters
400 E Broadway St, Sweetwater, TX 79556
Employees
24

Quick answers

Texas National Bank: common questions

Is Texas National Bank FDIC insured?

Yes. Texas National Bank is an FDIC-insured institution (FDIC certificate #34014). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Texas National Bank's TellerScore?

74 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 #34014 in the FDIC failed bank list.

How many branches does Texas National Bank have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Sweetwater

InstitutionScoreAssetsCapitalProblem loansCompare
Sweetwater Regional Federal Credit UnionCredit union Sweetwater, TX79 out of 100, Strong$6.6M19.5%0.11%vs
First Financial BankBank Abilene, TX76 out of 100, Strong$15.2B11.6%0.77%vs
Prosperity BankBank El Campo, TX71 out of 100, Strong$43.9B10.6%0.48%vs
Lone Oak Bank, National AssociationBank Eldorado, TX67 out of 100, Moderate$119.6M15.3%3.08%vs
Cornerstone Capital Bank, SSBBank Houston, TX32 out of 100, Low$3.7B10.3%3.62%vs