Austin Bank, Texas National Association
Jacksonville, TX · Cert 3276 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · 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 8 of 258).
- Widest gap: net charge-offs / loans trails 73% of banks $1B-$10B in assets operating in a single state (rank 190 of 258).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
2.05%
Rank 17 of 258
Net Interest Margin
4.94%
Rank 8 of 258
Efficiency Ratio
51.35%
Rank 62 of 257
Equity / Assets
15.14%
Rank 17 of 258
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.05% | 0.93% | 1.23% | 1.54% | Beats 93% | 17 / 258 | | |
| Return on Equity | 13.52% | 9.26% | 11.84% | 14.74% | Beats 65% | 91 / 258 | | |
| Net Interest Margin | 4.94% | 3.16% | 3.49% | 3.88% | Beats 97% | 8 / 258 | | |
| Efficiency Ratio | 51.35% | 51.71% | 60.30% | 69.65% | Beats 76% | 62 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.60% | 0.19% | 0.46% | 0.90% | Beats 34% | 171 / 258 | | |
| Net Charge-Offs / Loans | 0.06% | 0.01% | 0.02% | 0.07% | Beats 27% | 190 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 15.12% | 11.41% | 12.98% | 15.12% | Beats 75% | 65 / 258 | | |
| Total Risk-Based Capital Ratio | 15.12% | 12.10% | 13.91% | 16.08% | Beats 66% | 87 / 258 | | |
| Equity / Assets | 15.14% | 9.09% | 10.24% | 11.72% | Beats 93% | 17 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 89.32% | 73.24% | 86.34% | 95.95% | 59th pctl | 106 / 258 | | |
| Loans / Assets | 75.03% | 63.01% | 72.27% | 78.40% | 59th pctl | 105 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |