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Mint National Bank, The

Kingwood, TX · Cert 58764 · Peer group: banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=21) · Mint Holdings Inc. the

National charter · OCC · 1 branch

Q2 2026

$388.9MAssets
$317.1MLoans
$306.5MDeposits
$71.1MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 9 of 21).
  • Widest gap: nonperforming loans / loans trails 81% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 18 of 21).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.46%

Rank 6 of 21

Net Interest Margin

4.81%

Rank 3 of 21

Efficiency Ratio

62.89%

Rank 8 of 21

Equity / Assets

18.29%

Rank 3 of 21

Non-interest income vs. expense

$2.0M$13.0MINCOMEEXPENSE
Unfavorable gap of $11.0M · efficiency ratio beats 67% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area
Bank 62.89%Peer median 68.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.46%0.77%1.16%1.46%Beats 71%6 / 21
Return on Equity7.99%6.66%8.42%15.66%Beats 38%13 / 21
Net Interest Margin4.81%3.50%3.97%4.41%Beats 86%3 / 21
Efficiency Ratio62.89%59.33%68.18%79.00%Beats 67%8 / 21
Asset Quality
Nonperforming Loans / Loans2.78%0.01%0.37%1.25%Beats 19%18 / 21
Net Charge-Offs / Loans0.00%n/a0.01%0.05%Beats 100%9 / 21
Capital
Tier 1 Capital Ratio18.35%12.65%15.76%18.38%Beats 67%7 / 21
Total Risk-Based Capital Ratio18.35%12.65%16.68%19.63%Beats 67%7 / 21
Equity / Assets18.29%9.08%11.30%15.80%Beats 86%3 / 21
Liquidity & Funding
Loans / Deposits103.48%64.96%78.30%90.30%90th pctl2 / 21
Loans / Assets81.53%55.83%65.86%74.20%86th pctl3 / 21
Brokered Deposits / Depositsn/aNot reported for this institution