Austin Bank, Texas National Association
Jacksonville, Texas, Cherokee County
$3.3B in total assets, the 395th largest of 4,309 US banks and 29th of 352 headquartered in Texas.
- FDIC certificate
- 3276
- Established
- 1900
- Owned by
- Jsa Family Ltd Partnership
- Primary regulator
- OCC
- Website
- www.austinbank.com
At a glance
Compared with 77 banks headquartered in Texas with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $3.3B | 80% | $2.2B | |
| Loans | $2.5B | 84% | $1.3B | |
| Deposits | $2.8B | 80% | $1.7B | |
| Return on assets | 2.10% | 84% | 1.53% | |
| Net interest margin | 5.25% | 96% | 3.95% | |
| Efficiency ratio | 51.3% | 30% | 57.5% | |
| Equity to assets | 15.14% | 94% | 10.59% | |
| Loans to deposits | 89% | 77% | 80% |
Growth
Total assets grew 6.1% a year over the last 5 years and 7.9% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Feb 2025 | The Chasewood Bank Houston, TX | $85M |
| Oct 2010 | First State Bank Frankston, TX | $141M |
| Feb 2008 | City National Bank Kilgore, TX | $191M |
| Nov 2004 | First National Bank Bullard, TX, an affiliate under the same holding company | $42M |
| May 1999 | Austin Bank, Whitehouse, Texas, National Association Whitehouse, TX | $85M |
| Apr 1999 | Austin Bank, Big Sandy, Texas Big Sandy, TX | $23M |
| Apr 1999 | Austin Bank, National Association Longview, TX | $180M |
| Mar 1999 | Austin Bank, Rusk, Texas Rusk, TX | $59M |
| Aug 1989 | Troup Bank & Trust Company Troup, TX | $24M |
Where they operate
39 branches in 14 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Smith County, TX | $656M | 7.3% | 4 of 28 |
| Cherokee County, TX | $542M | 49.2% | 1 of 8 |
| Gregg County, TX | $538M | 11.9% | 2 of 23 |
| Anderson County, TX | $302M | 34.5% | 1 of 8 |
| Harris County, TX | $134M | 0.0% | 58 of 87 |
| Van Zandt County, TX | $134M | 11.7% | 5 of 8 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 7 branches since 2016 (32 to 39, +21.9%). 6 opened, 2 acquired, 1 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 32 | |||
| 2016 | Opened LindaleClosed Tyler | 1 | 1 | 0 | 32 |
| 2019 | Opened Cleveland | 1 | 0 | +1 | 33 |
| 2020 | Opened Palestine | 1 | 0 | +1 | 34 |
| 2021 | Opened The Woodlands | 1 | 0 | +1 | 35 |
| 2022 | Opened Montgomery | 1 | 0 | +1 | 36 |
| 2025 | Acquired The Chasewood BankOpened Willis | 3 | 0 | +3 | 39 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 37% | 20% | |
| Commercial real estate | 31% | 39% | |
| Construction and land | 13% | 13% | |
| Business (C&I) | 8% | 15% | |
| Consumer | 5% | 2% | |
| Farmland | 2% | 3% | |
| Agricultural | 2% | 1% | |
| Multifamily | 1% | 4% | |
| Other | 0% | 4% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 39% | 48% | |
| Noninterest-bearing | 37% | 26% | |
| Time deposits | 24% | 26% |
Brokered deposits are 0.0% of deposits (peers 4.2%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.60% | 0.42% |
| Net charge-offs, annualized | 0.05% | 0.04% |
| Reserves to loans | 1.46% | 1.20% |
| Leverage ratio | 15.12% | 10.79% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Texas
Largest competitors in Smith County, TX
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/austin-texas