Total Assets
$835M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$736M
Customer-funded liabilities
Net Loans
$660M
Outstanding loan book
Net Income
$9M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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.
Safety metrics
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
Profitability metrics
Return on Assets (ROA)
51st percentile nationally
1.11%
Return on Equity (ROE)
10.53%
Efficiency Ratio
55.77%
What the numbers say about Texas National Bank of Jacksonville
Texas National Bank of Jacksonville is an FDIC-insured institution (Certificate #26181) headquartered in Jacksonville, Texas, established in 1985. It holds $835M in total assets - 1,220th of 4,313 FDIC-insured banks, $736M in customer deposits, and $660M in net loans. Capital-wise, the Tier 1 ratio sits at 16.79%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 10.97%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (88 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Texas National Bank of Jacksonville sits 108th of 350 banks headquartered in Texas by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$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.
Top banks in Texas by total assets
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.
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% |
Frequently asked questions
What is Texas National Bank of Jacksonville's health grade?▼
Texas National Bank of Jacksonville receives a health grade of A (88/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Texas National Bank of Jacksonville?▼
Texas National Bank of Jacksonville holds $835M in total assets and $736M in deposits, ranking 1,220th of 4,313 FDIC-insured banks by asset size. It is headquartered in Jacksonville, Texas.
Is my money safe at Texas National Bank of Jacksonville?▼
Yes, deposits at Texas National Bank of Jacksonville (Certificate #26181) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Texas National Bank of Jacksonville's Tier 1 Capital Ratio?▼
Texas National Bank of Jacksonville has a Tier 1 Capital Ratio of 16.79%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Texas National Bank of Jacksonville?▼
Texas National Bank of Jacksonville has a Texas Ratio of 10.97%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Texas National Bank of Jacksonville?▼
Texas National Bank of Jacksonville has an Efficiency Ratio of 55.77%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Texas National Bank of Jacksonville's profile as a depositor or analyst.
- Texas National Bank of Jacksonville's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Texas National Bank of Jacksonville against other Texas banks before moving funds. Texas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.