Austin Bank, Texas National Association
Jacksonville, TX · Cert 3276 · Peer group: banks $1B-$10B in assets operating in a single state (n=266-267) · Jsa Family Ltd. Partnership
National charter · OCC · 1 affiliate bank · 39 branches (48 in holding)
Q2 2026
$3.3BAssets
$2.5BLoans
$2.8BDeposits
$504.4MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 97% of banks $1B-$10B in assets operating in a single state (rank 7 of 267).
- Widest gap: net charge-offs / loans trails 75% of banks $1B-$10B in assets operating in a single state (rank 200 of 267).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
2.05%
Rank 17 of 267
Net Interest Margin
4.94%
Rank 7 of 267
Efficiency Ratio
51.35%
Rank 66 of 266
Equity / Assets
15.14%
Rank 18 of 267
Non-interest income vs. expense
Unfavorable gap of $71.1M · efficiency ratio beats 76% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.05% | 0.93% | 1.23% | 1.55% | Beats 94% | 17 / 267 | |
| Return on Equity | 13.52% | 9.16% | 11.84% | 14.56% | Beats 66% | 92 / 267 | |
| Net Interest Margin | 4.94% | 3.12% | 3.50% | 3.88% | Beats 97% | 7 / 267 | |
| Efficiency Ratio | 51.35% | 51.36% | 60.21% | 69.66% | Beats 76% | 66 / 266 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.60% | 0.19% | 0.46% | 0.89% | Beats 34% | 177 / 267 | |
| Net Charge-Offs / Loans | 0.06% | 0.01% | 0.02% | 0.06% | Beats 25% | 200 / 267 | |
| Capital |
| Tier 1 Capital Ratio | 15.12% | 11.29% | 13.05% | 15.13% | Beats 74% | 69 / 267 | |
| Total Risk-Based Capital Ratio | 15.12% | 11.95% | 13.87% | 16.27% | Beats 66% | 92 / 267 | |
| Equity / Assets | 15.14% | 9.18% | 10.29% | 11.76% | Beats 93% | 18 / 267 | |
| Liquidity & Funding |
| Loans / Deposits | 89.32% | 72.68% | 86.16% | 95.22% | 60th pctl | 108 / 267 | |
| Loans / Assets | 75.03% | 62.46% | 71.96% | 78.38% | 60th pctl | 107 / 267 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |