FDIC Cert #16176 · Johnson City, Texas · Est. 1944

Johnson City Bank - FDIC Bank Health Profile

A community-scale look at Johnson City Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$140M
Total assets
A
Health grade · Excellent
1.39%
Return on assets
13.2%
Tier 1 capital

Data updated July 2026

The verdict

Johnson City Bank earns a PlainBankData health grade of A (83/100), with well-capitalized at 13.21% Tier 1, profitable at 1.39% ROA, 63% efficiency ratio.

#3,430
largest of 4,313 FDIC banks by assets
20th
percentile by asset size, nationally
13.21%
Tier 1 ratio - above the 10% well-capitalized line
69th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 16176 · TX A · 83/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (83/100)
  • MID-PACK #1689/4307
  • PHOTO-FINISH Reliabank Dakota · SD
  • TIER1-WELL 13.2% Tier 1
  • TEXAS-CLEAN 2.7% Texas
  • ROA-STRONG 1.39% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Texas: Reliabank Dakota, SD (±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 Johnson City Bank

Lowest and highest poles plus nearest scored peers outside Texas, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Johnson City Bank · TX · thi…83/100Manufacturers Bank &… · IA ·…83/100Reliabank Dakota · SD · near83/100The Eastern Colorado… · CO ·…83/100Walden Savings Bank · NY · n…83/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Johnson City Bank · July 2026

Call Report read for Johnson City Bank in a high-failure state

Johnson City Bank (FDIC Cert #16176) carries a PlainBankData health grade of A at 83/100, 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 #1,689 of 4,307. Tier 1 capital prints at 13.21%, clearing the 10% well-capitalized line. The Texas Ratio is 2.67%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.39%. Balance-sheet scale is $140M, 3,430th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Reliabank Dakota (SD), 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 Johnson City Bank

14 FAILURE resolutions in Texas since 2000, heavy vs the state corpus

Johnson City Bank 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 Johnson City Bank'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 Johnson City Bank's 83/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10083/100
Johnson City Bank's composite health score
Tier 1 Capital Ratio (13.21%) 35/40
Return on Assets (ROA) (1.39%) 20/25
Texas Ratio (2.67%) 20/20
Efficiency Ratio (63.27%) 8/15

83 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$140M

Total balance-sheet footings

Total Deposits

$122M

Customer-funded liabilities

Net Loans

$87M

Outstanding loan book

Net Income

$2M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 11.81% 13.21% 14.61%
Basel III capital ratios - Johnson City Bank

Where Johnson City Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Johnson City Bank's score of 83/100 falls in the highlighted band.

Johnson City Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

83 Top 39% higher than 61% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Johnson City Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

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

Johnson City Bank'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). Johnson City Bank's $140M falls in the highlighted band.

Capital & credit buffers at Johnson City Bank

Tier 1 capital ratio
Well-capitalized 10%

13.21% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.21%
Texas Ratio
2.67%
Equity Capital
$18M

What these ratios mean →

Earnings posture at Johnson City Bank

Return on Assets (ROA)
69th percentile nationally
1.39%
Return on Equity (ROE)
10.91%
Efficiency Ratio
63.27%

What these mean →

Income & expense at Johnson City Bank

$7M
Interest Income
$290K
Non-Interest Income
$4M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Johnson City Bank reports a Texas Ratio of 2.67% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

2.67% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Johnson City Bank on FDIC BankFind →

Top banks in Texas by total assets

Largest banks headquartered in Texas
  1. 1
    Charles Schwab Bank, SSB $253.8B

    Westlake, TX · Grade A

  2. 2
    Frost Bank $53.1B

    San Antonio, TX · Grade A

  3. 3
    Prosperity Bank $38.5B

    El Campo, TX · Grade A

  4. 4
    Texas Capital Bank $31.3B

    Dallas, TX · Grade A

  5. 5
    Charles Schwab Premier Bank, SSB $27.0B

    Westlake, TX · Grade A

Top 5 banks in Texas ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($140M here), outside Texas so the neighborhood is not state containment.

First Security Bank $140M · IL The Litchfield National Bank $140M · IL Bank of Halls $139M · TN Deutsche Bank Trust Company Delaware $140M · DE

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Johnson City Bank (FDIC Cert #16176) - 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.

Johnson City Bank 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 →
BankAssetsGradeROA
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%