FDIC Cert #26181 · Jacksonville, Texas · Est. 1985

Texas National Bank of Jacksonville - FDIC Bank Health Profile

A community-scale look at Texas National Bank of Jacksonville's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$835M
Total assets
A
Health grade · Excellent
1.11%
Return on assets
16.8%
Tier 1 capital

Data updated July 2026

The verdict

Texas National Bank of Jacksonville earns a PlainBankData health grade of A (88/100), with well-capitalized at 16.79% Tier 1, profitable at 1.11% ROA, efficient (56% cost ratio).

#1,220
largest of 4,313 FDIC banks by assets
72nd
percentile by asset size, nationally
16.79%
Tier 1 ratio - above the 10% well-capitalized line
51st
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 26181 · TX A · 88/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-A A (88/100)
  • UPPER-Q #927/4307
  • PHOTO-FINISH Valley State Bank · AL
  • TIER1-WELL 16.8% Tier 1
  • TEXAS-CLEAN 11.0% Texas
  • ROA-PAR 1.11% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Texas: Valley State Bank, AL (±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 Texas National Bank of Jacksonville

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

Morgan Stanley Bank,… · UT ·…100/100Denali State Bank · AK · near88/100Pike National Bank · MS · ne…88/100Texas National Bank… · TX · …88/100The Bank of the West · OK · …88/100Valley State Bank · AL · near88/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Texas National Bank of Jacksonville · July 2026

Call Report read for Texas National Bank of Jacksonville in a high-failure state

Texas National Bank of Jacksonville (FDIC Cert #26181) carries a PlainBankData health grade of A at 88/100, 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 #927 of 4,307. Tier 1 capital prints at 16.79%, clearing the 10% well-capitalized line. The Texas Ratio is 10.97%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.11%. Balance-sheet scale is $835M, 1,220th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Valley State Bank (AL), 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 Texas National Bank of Jacksonville

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

Texas National Bank of Jacksonville 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 Texas National Bank of Jacksonville'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 Texas National Bank of Jacksonville's 88/100 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 avg77/10088/100
Texas National Bank of Jacksonville's composite health score
Tier 1 Capital Ratio (16.79%) 40/40
Return on Assets (ROA) (1.11%) 20/25
Texas Ratio (10.97%) 16/20
Efficiency Ratio (55.77%) 12/15

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

Balance sheet at a glance

Total Assets

$835M

Total balance-sheet footings

Total Deposits

$736M

Customer-funded liabilities

Net Loans

$660M

Outstanding loan book

Net Income

$9M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% 21% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 15.39% 16.79% 18.19%
Basel III capital ratios - Texas National Bank of Jacksonville

Where Texas National Bank of Jacksonville ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Texas National Bank of Jacksonville's score of 88/100 falls in the highlighted band.

Texas National Bank of Jacksonville: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

88 Top 22% higher than 78% 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. Texas National Bank of Jacksonville 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

Texas National Bank of Jacksonville'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). Texas National Bank of Jacksonville's $835M falls in the highlighted band.

Capital & credit buffers at Texas National Bank of Jacksonville

Tier 1 capital ratio
Well-capitalized 10%

16.79% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
16.79%
Texas Ratio
10.97%
Equity Capital
$93M

What these ratios mean →

Earnings posture at Texas National Bank of Jacksonville

Return on Assets (ROA)
51st percentile nationally
1.11%
Return on Equity (ROE)
10.53%
Efficiency Ratio
55.77%

What these mean →

Income & expense at Texas National Bank of Jacksonville

$55M
Interest Income
$2M
Non-Interest Income
$19M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Texas National Bank of Jacksonville reports a Texas Ratio of 10.97% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

10.97% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Texas National Bank of Jacksonville 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 ($835M here), outside Texas so the neighborhood is not state containment.

First Community Bank of Tennessee $835M · TN Points West Community Bank $834M · CO First Commercial Bank (USA) $836M · CA PromiseOne Bank $837M · GA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Texas National Bank of Jacksonville (FDIC Cert #26181) - 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.

Texas National Bank of Jacksonville 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%