Texas National Bank
Sweetwater, TX · Cert 34014 · Peer group: banks under $1B in assets in TX (n=208-211) · Mesa Financial Corp.
National charter · OCC · 2 branches
Q2 2026
$139.1MAssets
$43.0MLoans
$128.1MDeposits
$10.3MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in TX (rank 44 of 208).
- Widest gap: equity / assets trails 94% of banks under $1B in assets in TX (rank 198 of 211).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.30%
Rank 194 of 211
Net Interest Margin
2.67%
Rank 196 of 211
Efficiency Ratio
88.98%
Rank 195 of 211
Equity / Assets
7.37%
Rank 198 of 211
Non-interest income vs. expense
Unfavorable gap of $3.4M · efficiency ratio beats 8% 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 | 0.30% | 0.87% | 1.20% | 1.65% | Beats 8% | 194 / 211 | | |
| Return on Equity | 4.09% | 7.52% | 11.67% | 14.58% | Beats 12% | 185 / 211 | | |
| Net Interest Margin | 2.67% | 3.28% | 3.82% | 4.31% | Beats 7% | 196 / 211 | | |
| Efficiency Ratio | 88.98% | 53.01% | 64.18% | 73.65% | Beats 8% | 195 / 211 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.30% | 1.10% | Beats 100% | 44 / 208 | | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.06% | Beats 53% | 98 / 208 | | |
| Capital |
| Tier 1 Capital Ratio | 25.05% | 11.72% | 14.45% | 19.57% | Beats 84% | 34 / 211 | | |
| Total Risk-Based Capital Ratio | 25.99% | 11.94% | 14.78% | 20.30% | Beats 84% | 33 / 211 | | |
| Equity / Assets | 7.37% | 9.41% | 11.06% | 12.94% | Beats 6% | 198 / 211 | | |
| Liquidity & Funding |
| Loans / Deposits | 33.57% | 45.39% | 66.56% | 82.03% | 12th pctl | 183 / 208 | | |
| Loans / Assets | 30.91% | 39.13% | 56.90% | 70.46% | 13th pctl | 183 / 211 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |