Total Assets
$402M
Total balance-sheet footings
FDIC Cert #58764 · Kingwood, Texas · Est. 2009
The MINT National Bank - FDIC Bank Health Profile
A community-scale look at The MINT National Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $402M
- Total assets
- A
- Health grade · Excellent
- 1.49%
- Return on assets
- 17.1%
- Tier 1 capital
Data updated July 2026
The verdict
The MINT National Bank earns a PlainBankData health grade of A (82/100), with well-capitalized at 17.08% Tier 1, profitable at 1.49% ROA, efficient (60% cost ratio).
- #2,078
- largest of 4,313 FDIC banks by assets
- 52nd
- percentile by asset size, nationally
- 17.08%
- Tier 1 ratio - above the 10% well-capitalized line
- 74th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How The MINT National Bank's 82/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The MINT National Bank's composite health score
Tier 1 Capital Ratio (17.08%) 40/40
Return on Assets (ROA) (1.49%) 20/25
Texas Ratio (15.15%) 10/20
Efficiency Ratio (59.90%) 12/15
82 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$319M
Customer-funded liabilities
Net Loans
$317M
Outstanding loan book
Net Income
$6M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The MINT National Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The MINT National Bank's score of 82/100 falls in the highlighted band.
The MINT National 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). The MINT National Bank's $402M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
17.08% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
17.08%
Texas Ratio
15.15%
Equity Capital
$69M
Profitability metrics
Return on Assets (ROA)
74th percentile nationally
1.49%
Return on Equity (ROE)
9.42%
Efficiency Ratio
59.90%
What the numbers say about The MINT National Bank
The MINT National Bank is an FDIC-insured institution (Certificate #58764) headquartered in Kingwood, Texas, established in 2009. It holds $402M in total assets - 2,078th of 4,313 FDIC-insured banks, $319M in customer deposits, and $317M in net loans. Its capital position: a Tier 1 ratio of 17.08%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 15.15% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (82 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
The MINT National Bank sits 181st of 350 banks headquartered in Texas by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$32M
Interest Income
$2M
Non-Interest Income
$13M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The MINT National Bank reports a Texas Ratio of 15.15% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
15.15% - 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) The MINT National Bank (FDIC Cert #58764) - 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 The MINT National Bank's health grade?▼
The MINT National Bank receives a health grade of A (82/100) 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 The MINT National Bank?▼
The MINT National Bank holds $402M in total assets and $319M in deposits, ranking 2,078th of 4,313 FDIC-insured banks by asset size. It is headquartered in Kingwood, Texas.
Is my money safe at The MINT National Bank?▼
Yes, deposits at The MINT National Bank (Certificate #58764) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The MINT National Bank's Tier 1 Capital Ratio?▼
The MINT National Bank has a Tier 1 Capital Ratio of 17.08%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for The MINT National Bank?▼
The MINT National Bank has a Texas Ratio of 15.15%. 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 The MINT National Bank?▼
The MINT National Bank has an Efficiency Ratio of 59.90%. 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 The MINT National Bank's profile as a depositor or analyst.
- The MINT National Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The MINT National Bank 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.