TellerScore

Texas Republic Bank, National Association (FDIC certificate #3400) is based in Frisco, Texas. Its Q2 2026 call report shows $510.6M in total assets and $389.2M in deposits and 6 offices.

Texas Republic Bank, National Association has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than only 47% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 215th. Earnings contributes the most (91/100, 1.78%); funding & liquidity contributes the least (24/100, 112% loans-to-deposits, 39% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion83/100
Tier 1 leverage ratio: 13.35%
Loan quality65/100
Noncurrent loans ÷ total loans: 1.06%
Earnings91/100
Return on assets (annualized): 1.78%
Funding & liquidity24/100
Loans ÷ deposits and uninsured-deposit share: 112.2% · 38.8% uninsured
Problem-loan coverage85/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 7.52%

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 11 points (60 → 71), mostly because the loan quality component improved by 28 points.

TellerScore
596672Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202459
Q3 202461
Q4 202464
Q1 202564
Q2 202560
Q3 202566
Q4 202567
Q1 202672
Q2 202671
Tier 1 leverage ratio
5.00%9.35%13.70%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202411.84%
Q3 202412.00%
Q4 202412.48%
Q1 202512.81%
Q2 202512.68%
Q3 202513.17%
Q4 202513.41%
Q1 202613.70%
Q2 202613.35%
Noncurrent loans
1.06%1.47%1.88%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20241.56%
Q3 20241.44%
Q4 20241.46%
Q1 20251.44%
Q2 20251.88%
Q3 20251.49%
Q4 20251.54%
Q1 20261.18%
Q2 20261.06%
Return on assets
1.20%1.49%1.78%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.20%
Q3 20241.20%
Q4 20241.33%
Q1 20251.33%
Q2 20251.41%
Q3 20251.53%
Q4 20251.63%
Q1 20261.78%
Q2 20261.78%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$510.6M13.35%1.06%1.78%112.2%
Q1 202672$518.8M13.70%1.18%1.78%103.7%
Q4 202567$503.4M13.41%1.54%1.63%109.5%
Q3 202566$488.7M13.17%1.49%1.53%112.9%
Q2 202560$492.2M12.68%1.88%1.41%107.1%
Q1 202564$499.9M12.81%1.44%1.33%108.0%
Q4 202464$495.0M12.48%1.46%1.33%106.7%
Q3 202461$497.8M12.00%1.44%1.20%105.5%
Q2 202459$486.0M11.84%1.56%1.20%108.8%

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 ratio13.35%
77th
Total risk-based capital0.00%
24th
Problem loans1.06%
26th
Net charge-offs-0.02%
93rd
Return on assets1.78%
79th
Net interest margin5.24%
95th
Efficiency ratio54.0%
75th
Loans to deposits112.2%
2nd
Uninsured deposits38.8%
12th
Loan-loss reserves1.35%
67th
Texas ratio7.5%
25th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens State BankBank Woodville, TX44 out of 100, Below average$511.4M13.2%3.10%vs
Citizens State BankBank Sealy, TX76 out of 100, Strong$507.0M10.3%0.00%vs
The Brenham National BankBank Brenham, TX69 out of 100, Moderate$517.7M11.8%1.54%vs
Colonial Savings, F.A.Bank Fort Worth, TX76 out of 100, Strong$501.8M46.1%0.38%vs
State Bank of De KalbBank De Kalb, TX82 out of 100, Strong$519.9M12.2%0.24%vs
The First National Bank of MertzonBank Mertzon, TX90 out of 100, Very strong$500.3M15.7%0.00%vs

Deposit insurance

Is my money safe at Texas Republic Bank, National Association?

Yes. Texas Republic Bank, National Association is an FDIC-insured institution (FDIC certificate #3400). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 38.8% of deposits ($150.9M) 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 13.35%, 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

6 locations

Branches

Texas Republic Bank, National Association lists 6 offices in 6 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Texas Republic Bank, National Association reported 50 home-loan applications under HMDA (LEI 549300HVUN4WJ2BRSZ39): 50 originated ($22,260,000 total), 0 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Texas Republic Bank, National Association
Former names
The Security National Bank of Quanah
Type
National bank
FDIC certificate #
3400
RSSD ID
735067
Primary regulator
OCC
Holding company
Txrb Holdings Inc
Established
May 21, 1891
Headquarters
2595 Preston Rd, Frisco, TX 75034
Employees
78

Quick answers

Texas Republic Bank, National Association: common questions

Is Texas Republic Bank, National Association FDIC insured?

Yes. Texas Republic Bank, National Association is an FDIC-insured institution (FDIC certificate #3400). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Texas Republic Bank, National Association's TellerScore?

71 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 Republic Bank, National Association ever failed?

There is no failure record for FDIC certificate #3400 in the FDIC failed bank list.

How many branches does Texas Republic Bank, National Association have?

6 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Frisco

InstitutionScoreAssetsCapitalProblem loansCompare
Baton Rouge City Parish Emp Federal Credit UnionCredit union Baton Rouge, LA96 out of 100, Very strong$58.2M22.0%0.33%vs
Lakeside BankBank Rockwall, TX92 out of 100, Very strong$389.2M14.4%0.00%vs
Light Commerce Credit UnionCredit union Houston, TX92 out of 100, Very strong$5.0M26.8%0.93%vs
Metro Medical Credit UnionCredit union Dallas, TX91 out of 100, Very strong$82.7M17.9%0.66%vs
The State Credit UnionCredit union Charleston, WV90 out of 100, Very strong$95.3M19.1%0.25%vs
Safe 1 Credit UnionCredit union Bakersfield, CA90 out of 100, Very strong$1.2B16.0%0.37%vs