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Txn Bank
Hondo, TX · FDIC Certificate #15345 · Chartered 01/0
Total assets
$669.16M
Total deposits
$613.01M
Total equity
$51.23M
Net loans
$330.81M
Branches (offices)
7
Net income (YTD)
$3.28M
Rank: #1,415 of 4,213 U.S. banks by assets · #128 of 346 in Texas. Assets changed 5.9% and deposits 4.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.99% |
| Return on equity | 12.99% |
| Net interest margin (YTD) | 3.49% |
| Equity to assets | 7.66% |
| Tier 1 leverage ratio | 9.68% |
| Uninsured deposits (share of deposits) | 31.0% |
| Noncurrent loans (share of loans) | 0.98% |
| Net charge-offs (share of loans) | 0.06% |
| Loans to deposits | 54.0% |
| Real estate loans (share of loans) | 78.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $259.48M | 78.4% | |
| Commercial & industrial | $40.47M | 12.2% | |
| Consumer / individual | $6.17M | 1.9% | |
| Construction & development | $22.54M | 6.8% | |
| Agricultural | $23.95M | 7.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $613.62M | $577.10M | $3.27M | $29.26M |
| Jun 2023 | $611.59M | $554.08M | $2.65M | $28.18M |
| Jun 2024 | $654.97M | $556.79M | $1.30M | $32.35M |
| Jun 2025 | $631.68M | $586.43M | $963.00K | $42.00M |
| Jun 2026 | $669.16M | $613.01M | $3.28M | $51.23M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $613.01M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $613.01M.
Similar-sized banks
Citizens Bank Of Kentucky, Inc. ($669.89M) · First State Bank Of Blakely ($668.20M)
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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