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Texas Republic Bank, National Association
Frisco, TX · FDIC Certificate #3400 · Chartered 05/2
Total assets
$510.63M
Total deposits
$389.18M
Total equity
$69.33M
Net loans
$436.57M
Branches (offices)
6
Net income (YTD)
$4.55M
Rank: #1,760 of 4,213 U.S. banks by assets · #159 of 346 in Texas. Assets changed 3.7% and deposits 3.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.78% |
| Return on equity | 13.17% |
| Net interest margin (YTD) | 5.24% |
| Equity to assets | 13.58% |
| Tier 1 leverage ratio | 13.35% |
| Uninsured deposits (share of deposits) | 38.8% |
| Noncurrent loans (share of loans) | 1.06% |
| Net charge-offs (share of loans) | -0.02% |
| Loans to deposits | 112.2% |
| Real estate loans (share of loans) | 89.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $391.69M | 89.7% | |
| Commercial & industrial | $51.06M | 11.7% | |
| Consumer / individual | $1.61M | 0.4% | |
| Construction & development | $83.37M | 19.1% | |
| Agricultural | $234.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $409.31M | $327.63M | $2.51M | $46.38M |
| Jun 2023 | $436.90M | $311.22M | $3.53M | $52.47M |
| Jun 2024 | $485.98M | $363.52M | $2.90M | $59.05M |
| Jun 2025 | $492.18M | $376.39M | $3.49M | $63.15M |
| Jun 2026 | $510.63M | $389.18M | $4.55M | $69.33M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $389.18M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $389.18M.
Similar-sized banks
Citizens Bank Of Americus ($511.05M) · The Bank Of Advance ($509.94M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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