Texana Bank, National Association
Linden, TX · Cert 3302 · Peer group: banks under $1B in assets (n=581-629) · Linden Bancshares Inc.
National charter · OCC · 7 branches
Q2 2026
$330.6MAssets
$303.7MLoans
$291.1MDeposits
$29.9MEquity
Executive Summary
- Strongest standing: return on equity outperforms 83% of banks under $1B in assets (rank 106 of 629).
- Widest gap: total risk-based capital ratio trails 98% of banks under $1B in assets (rank 615 of 629).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.35%
Rank 186 of 629
Net Interest Margin
3.97%
Rank 177 of 629
Efficiency Ratio
92.37%
Rank 562 of 629
Equity / Assets
9.03%
Rank 477 of 629
Non-interest income vs. expense
Unfavorable gap of $6.7M · efficiency ratio beats 11% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.35% | 0.60% | 1.01% | 1.45% | Beats 70% | 186 / 629 | |
| Return on Equity | 14.91% | 5.38% | 9.30% | 13.28% | Beats 83% | 106 / 629 | |
| Net Interest Margin | 3.97% | 3.03% | 3.54% | 4.05% | Beats 72% | 177 / 629 | |
| Efficiency Ratio | 92.37% | 58.35% | 67.79% | 79.08% | Beats 11% | 562 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.36% | 0.09% | 0.46% | 1.20% | Beats 21% | 458 / 581 | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 47% | 313 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 9.06% | 11.24% | 13.84% | 18.77% | Beats 2% | 615 / 629 | |
| Total Risk-Based Capital Ratio | 9.06% | 11.58% | 14.43% | 19.66% | Beats 2% | 615 / 629 | |
| Equity / Assets | 9.03% | 9.09% | 10.65% | 13.80% | Beats 24% | 477 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 104.36% | 67.24% | 80.90% | 93.48% | 91st pctl | 52 / 594 | |
| Loans / Assets | 91.88% | 53.31% | 67.71% | 78.15% | 100th pctl | 3 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |