Total Assets
$130M
Total balance-sheet footings
FDIC Cert #59239 · Houston, Texas · Est. 2022
Agility Bank, National Association - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $130M
- Total assets
- C
- Health grade · Fair
- -0.67%
- Return on assets
- 22.1%
- Tier 1 capital
Data updated July 2026
The verdict
Agility Bank, National Association earns a PlainBankData health grade of C (60/100), with well-capitalized at 22.07% Tier 1, -0.67% ROA, 102% efficiency ratio.
- #3,513
- largest of 4,313 FDIC banks by assets
- 19th
- percentile by asset size, nationally
- 22.07%
- Tier 1 ratio - above the 10% well-capitalized line
- 2nd
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
FDIC Call Report plate
Cert 59239 · TX C · 60/100
GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-LOSS · SIZE-MID · BOOK-FULL
- GRADE-C C (60/100)
- LOWER-Q #3815/4307
- PHOTO-FINISH Thrivent Bank · UT
- TIER1-WELL 22.1% Tier 1
- TEXAS-CLEAN 1.7% Texas
- ROA-LOSS -0.67% ROA
- SIZE-MID $100M–1B
- BOOK-FULL 9/9 fields
Nearest health peer outside Texas: Thrivent Bank, UT (±0 health pts)
Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.
Health-score neighbourhood around Agility Bank
Lowest and highest poles plus nearest scored peers outside Texas, not a full FDIC corpus board reprint.
Call Report read for Agility Bank in a high-failure state
Agility Bank, National Association (FDIC Cert #59239) carries a PlainBankData health grade of C at 60/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,815 of 4,307. Tier 1 capital prints at 22.07%, clearing the 10% well-capitalized line. The Texas Ratio is 1.72%, inside the sub-50% band analysts treat as healthy. Return on assets is -0.67%. Balance-sheet scale is $130M, 3,513th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Thrivent Bank (UT), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.
State failure history around Agility Bank
14 FAILURE resolutions in Texas since 2000, heavy vs the state corpus
Agility Bank, National Association sits in one of the heavier post-2000 FAILURE states (14 resolutions; latest year 2025). The list below is state history from the Failed Bank List, not a claim about Agility Bank, National Association's current Call Report.
- SANTA ANNA NATIONAL BANK SANTA ANNA, TX 2025 → COLEMAN COUNTY STATE BANK
- ENLOE STATE BANK COOPER, TX 2019 → LEGEND BANK, NA
- FIRST NATIONAL BANK EDINBURG, TX 2013 → PLAINSCAPITAL BANK
Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Texas banks.
How Agility Bank, National Association's 60/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Tier 1 Capital Ratio (22.07%) 40/40
Return on Assets (ROA) (-0.67%) 0/25
Texas Ratio (1.72%) 20/20
Efficiency Ratio (102.10%) 0/15
60 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$98M
Customer-funded liabilities
Net Loans
$99M
Outstanding loan book
Net Income
$-839K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Agility Bank, National Association ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Agility Bank, National Association's score of 60/100 falls in the highlighted band.
Agility Bank, National Association: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
60 11th percentile higher than 11% of 4,307 FDIC-insured banks
Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FDIC Call Reports · July 2026
Agility Bank, National Association's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Agility Bank, National Association's $130M falls in the highlighted band.
Capital & credit buffers at Agility Bank
Tier 1 capital ratio
Well-capitalized 10%
22.07% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
22.07%
Texas Ratio
1.72%
Equity Capital
$29M
Profitability metrics: Agility Bank
Return on Assets (ROA)
2nd percentile nationally
-0.67%
Return on Equity (ROE)
-2.87%
Efficiency Ratio
102.10%
Income & expense: loss period at Agility Bank
$9M
Interest Income
$521K
Non-Interest Income
$7M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Agility Bank, National Association reports a Texas Ratio of 1.72% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.72% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at Agility Bank, National Association
Agility Bank, National Association's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-839K for the period, a loss that, if sustained, erodes the equity cushion.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Agility Bank, National Association up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in Texas by total assets
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($130M here), outside Texas so the neighborhood is not state containment.
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Agility Bank, National Association (FDIC Cert #59239) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Agility Bank, National Association Call Report profile · FDIC Failed Bank List · Texas FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.
Other banks in Texas
All Texas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Charles Schwab Bank, SSBWestlake | $253.8B | A | 0.94% |
| Frost BankSan Antonio | $53.1B | A | 1.26% |
| Prosperity BankEl Campo | $38.5B | A | 1.44% |
| Texas Capital BankDallas | $31.3B | A | 1.10% |
| Charles Schwab Premier Bank, SSBWestlake | $27.0B | A | 1.47% |
| First Financial BankAbilene | $15.4B | A | 1.64% |
| NexBankDallas | $13.9B | A | 1.17% |
| PlainsCapital BankUniversity Park | $12.7B | B | 1.05% |