Titan Bank, N.A. is a national bank headquartered in Mineral Wells, Texas, in business for about 119 years. At the end of Q2 2026 it reported $896.1M in total assets and $771.5M in deposits, with 2 offices.
Based on its Q2 2026 filing, Titan Bank, N.A. scores 76/100, which we describe as strong. That is higher than 64% of 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 142nd. Its strongest component is earnings (100/100; 10.97%), and its lowest is capital cushion (42/100; 9.16%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (76 → 76).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 85 |
| Q3 2024 | 84 |
| Q4 2024 | 76 |
| Q1 2025 | 82 |
| Q2 2025 | 76 |
| Q3 2025 | 93 |
| Q4 2025 | 77 |
| Q1 2026 | 84 |
| Q2 2026 | 76 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.43% |
| Q3 2024 | 10.74% |
| Q4 2024 | 9.72% |
| Q1 2025 | 9.92% |
| Q2 2025 | 9.32% |
| Q3 2025 | 21.04% |
| Q4 2025 | 9.64% |
| Q1 2026 | 11.67% |
| Q2 2026 | 9.16% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.07% |
| Q3 2024 | 0.15% |
| Q4 2024 | 0.45% |
| Q1 2025 | 0.27% |
| Q2 2025 | 0.52% |
| Q3 2025 | 0.30% |
| Q4 2025 | 0.36% |
| Q1 2026 | 0.42% |
| Q2 2026 | 0.54% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 4.13% |
| Q3 2024 | 3.69% |
| Q4 2024 | 3.94% |
| Q1 2025 | 3.25% |
| Q2 2025 | 3.67% |
| Q3 2025 | 25.32% |
| Q4 2025 | 21.80% |
| Q1 2026 | 12.54% |
| Q2 2026 | 10.97% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 76 | $896.1M | 9.16% | 0.54% | 10.97% | 53.7% |
| Q1 2026 | 84 | $890.7M | 11.67% | 0.42% | 12.54% | 55.0% |
| Q4 2025 | 77 | $819.9M | 9.64% | 0.36% | 21.80% | 69.2% |
| Q3 2025 | 93 | $843.5M | 21.04% | 0.30% | 25.32% | 59.2% |
| Q2 2025 | 76 | $639.5M | 9.32% | 0.52% | 3.67% | 58.8% |
| Q1 2025 | 82 | $704.6M | 9.92% | 0.27% | 3.25% | 47.4% |
| Q4 2024 | 76 | $480.6M | 9.72% | 0.45% | 3.94% | 74.0% |
| Q3 2024 | 84 | $671.7M | 10.74% | 0.15% | 3.69% | 47.7% |
| Q2 2024 | 85 | $577.5M | 10.43% | 0.07% | 4.13% | 54.3% |
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).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The First State BankBank Louise, TX | 61 out of 100, Moderate | $895.2M | 10.6% | 2.16% | vs |
| First Liberty BankBank Liberty, TX | 72 out of 100, Strong | $873.2M | 10.1% | 0.42% | vs |
| NewFirst National BankBank El Campo, TX | 84 out of 100, Strong | $934.9M | 12.5% | 0.21% | vs |
| Texas Heritage National BankBank Daingerfield, TX | 59 out of 100, Moderate | $936.4M | 10.2% | 1.27% | vs |
| Harmony BankBank Dallas, TX | 75 out of 100, Strong | $855.3M | 11.9% | 0.02% | vs |
| Texas National Bank of JacksonvilleBank Jacksonville, TX | 50 out of 100, Below average | $852.4M | 10.1% | 1.03% | vs |
Deposit insurance
Is my money safe at Titan Bank, N.A.?
Yes. Titan Bank, N.A. is an FDIC-insured institution (FDIC certificate #3225). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 24.4% of deposits ($188.1M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.16%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 35.31% (benchmark: 10%).
2 locations
Branches
Titan Bank, N.A. lists 1 office in 1 city. Most locations:
- Mineral Wells, TX (1)
Identity & history
Profile
- Legal name
- Titan Bank, N.A.
- Former names
- First National Bank, Graford
- Type
- National bank
- FDIC certificate #
- 3225
- RSSD ID
- 328357
- Primary regulator
- OCC
- Holding company
- Bmc Bancshares Inc
- Established
- January 1, 1907
- Headquarters
- 1701 E Hubbard St, Mineral Wells, TX 76067
- Website
- www.titanbank.com
- Employees
- 39
Quick answers
Titan Bank, N.A.: common questions
Is Titan Bank, N.A. FDIC insured?
Yes. Titan Bank, N.A. is an FDIC-insured institution (FDIC certificate #3225). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Titan Bank, N.A.'s TellerScore?
76 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 Titan Bank, N.A. ever failed?
There is no failure record for FDIC certificate #3225 in the FDIC failed bank list.
How many branches does Titan Bank, N.A. have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Mineral Wells
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Eecu Credit UnionCredit union Fort Worth, TX | 81 out of 100, Strong | $4.9B | 12.7% | 0.45% | vs |
| Grandview BankBank Grandview, TX | 81 out of 100, Strong | $729.3M | 12.4% | 0.12% | vs |
| TexasBankBank Fort Worth, TX | 80 out of 100, Strong | $2.5B | 12.9% | 0.41% | vs |
| Clear Fork Bank, National AssociationBank Albany, TX | 79 out of 100, Strong | $1.0B | 10.6% | 0.26% | vs |
| The First National Bank of LipanBank Lipan, TX | 78 out of 100, Strong | $25.9M | 10.6% | 0.00% | vs |
| First Financial BankBank Abilene, TX | 76 out of 100, Strong | $15.2B | 11.6% | 0.77% | vs |