Texas National Bank
Mcallen, Texas, Hidalgo County
$1.2B in total assets, the 902nd largest of 4,309 US banks and 79th of 352 headquartered in Texas.
- FDIC certificate
- 3337
- Established
- 1920
- Owned by
- Tnb Bancshares Inc
- Primary regulator
- OCC
- Website
- http://texasnational.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 | $1.2B | 16% | $2.2B | |
| Loans | $758M | 12% | $1.3B | |
| Deposits | $1.1B | 20% | $1.8B | |
| Return on assets | 1.32% | 35% | 1.54% | |
| Net interest margin | 4.50% | 74% | 3.95% | |
| Efficiency ratio | 65.1% | 70% | 57.5% | |
| Equity to assets | 9.45% | 29% | 10.77% | |
| Loans to deposits | 71% | 27% | 80% |
Growth
Total assets grew 10.9% a year over the last 5 years and 19.4% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Nov 2025 | Citizens State Bank Roma, TX | $79M |
Where they operate
12 branches in 3 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Hidalgo County, TX | $892M | 5.6% | 9 of 20 |
| Cameron County, TX | $103M | 1.6% | 11 of 19 |
| Starr County, TX | $75M | 11.7% | 4 of 6 |
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 8 branches since 2016 (4 to 12, +200.0%). 8 opened, 2 acquired, 2 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 4 | |||
| 2017 | Opened Mission | 1 | 0 | +1 | 5 |
| 2018 | Opened Elsa | 1 | 0 | +1 | 6 |
| 2020 | Opened San Juan | 1 | 0 | +1 | 7 |
| 2021 | Opened Brownsville | 1 | 0 | +1 | 8 |
| 2023 | Opened BrownsvilleClosed Brownsville | 1 | 1 | 0 | 8 |
| 2024 | Opened Mcallen | 1 | 0 | +1 | 9 |
| 2025 | Acquired Citizens State BankOpened Edinburg | 3 | 0 | +3 | 12 |
| 2026 through Q2 | Opened PenitasClosed Edinburg | 1 | 1 | 0 | 12 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 33% | 39% | |
| 1-4 family residential | 20% | 20% | |
| Construction and land | 17% | 13% | |
| Business (C&I) | 15% | 15% | |
| Multifamily | 8% | 3% | |
| Farmland | 2% | 3% | |
| Consumer | 2% | 2% | |
| Agricultural | 0% | 1% | |
| Other | 4% | 4% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Time deposits | 40% | 26% | |
| Other interest-bearing | 33% | 48% | |
| Noninterest-bearing | 28% | 26% |
Brokered deposits are 0.1% of deposits (peers 4.2%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.28% | 0.46% |
| Net charge-offs, annualized | 0.06% | 0.04% |
| Reserves to loans | 1.39% | 1.20% |
| Leverage ratio | 10.17% | 10.79% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Texas
Largest competitors in Hidalgo 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/banks/texas-national-bank-mcallen-tx