TXN Bank
Hondo, TX · Cert 15345 · Peer group: banks under $1B in assets in TX (n=208-211) · TXN Bancshares Inc.
State charter, Fed member · FED · 7 branches
Q2 2026
$669.2MAssets
$335.2MLoans
$613.0MDeposits
$51.2MEquity
Executive Summary
- Strongest standing: return on equity outperforms 61% of banks under $1B in assets in TX (rank 83 of 211).
- Widest gap: total risk-based capital ratio trails 95% of banks under $1B in assets in TX (rank 201 of 211).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.98%
Rank 140 of 211
Net Interest Margin
2.97%
Rank 176 of 211
Efficiency Ratio
69.30%
Rank 142 of 211
Equity / Assets
7.66%
Rank 194 of 211
Non-interest income vs. expense
Unfavorable gap of $12.6M · efficiency ratio beats 33% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.98% | 0.87% | 1.20% | 1.65% | Beats 34% | 140 / 211 | | |
| Return on Equity | 12.80% | 7.52% | 11.67% | 14.58% | Beats 61% | 83 / 211 | | |
| Net Interest Margin | 2.97% | 3.28% | 3.82% | 4.31% | Beats 17% | 176 / 211 | | |
| Efficiency Ratio | 69.30% | 53.01% | 64.18% | 73.65% | Beats 33% | 142 / 211 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.98% | 0.01% | 0.30% | 1.10% | Beats 28% | 150 / 208 | | |
| Net Charge-Offs / Loans | 0.05% | 0.00% | 0.01% | 0.06% | Beats 28% | 150 / 208 | | |
| Capital |
| Tier 1 Capital Ratio | 9.68% | 11.72% | 14.45% | 19.57% | Beats 5% | 200 / 211 | | |
| Total Risk-Based Capital Ratio | 9.68% | 11.94% | 14.78% | 20.30% | Beats 5% | 201 / 211 | | |
| Equity / Assets | 7.66% | 9.41% | 11.06% | 12.94% | Beats 8% | 194 / 211 | | |
| Liquidity & Funding |
| Loans / Deposits | 54.69% | 45.39% | 66.56% | 82.03% | 31st pctl | 143 / 208 | | |
| Loans / Assets | 50.10% | 39.13% | 56.90% | 70.46% | 36th pctl | 136 / 211 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |