# AUSTIN BANK TEXAS NA
JACKSONVILLE, TX · FDIC certificate 3276 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $3.33B | |
| Deposits | $2.80B | |
| Loans and leases | $2.50B | |
| Total equity | $504.4M | |
| Loans / deposits | 88.01% (p52 of band) | 87.10% |
| Liquid assets / assets | 21.84% (p53 of band) | |
| Uninsured deposits / deposits | 26.04% (p33 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 15.12% (p93 of band) | 10.50% |
| Unrealized securities loss / equity | -1.34% (p85 of band) | -7.75% |
| AOCI / equity | -0.62% (p29 of band) | |
| ROA (annualized) | 2.08% (p90 of band) | 1.26% |
| Net interest margin | 5.25% (p96 of band) | 3.70% |
| Efficiency ratio | 51.33% (p27 of band) | |
| Noncurrent loans | 0.60% (p57 of band) | 0.51% |
| Net charge-offs (annualized) | 0.04% (p57 of band) | |
| Reserve coverage of noncurrent | 243.78% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 65.49% (p68 of band) | |
| Auto loans | $46.7M (1.87% of loans; DQ 0.64%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 5.4% | |
| Employees | 533 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | charge-offs p90 |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 2 |  | noncurrent p90 |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | charge-offs p90 |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | reserve under noncurrent |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | reserve under noncurrent |  |
| 2020-06 | 0 |  | reserve under noncurrent |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | charge-offs p90 |  |
| 2023-09 | 0 |  | charge-offs p90 |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | capital falling |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | capital falling |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-19 [Judgments: March 1-7, 2026 - Longview News-Journal](https://news.google.com/rss/articles/CBMibkFVX3lxTE5weFlVSk1mUHRfaHVaZlZTbUk3RDNKUUhKaUNnTWFJeEFPZk9BT1BLd19KU0lwR0RlSHhENWwxZWVlLUx1TDByREowY2ZBelUxemxPSTZ3R29sVTFmQ0ZCUU5VTmtJZlgzYVVyMzB3?oc=5) · Longview News-Journal
- 2025-11-06 [Jane Chapman Obituary (1942 - 2025) - Frankston - Dallas News](https://news.google.com/rss/articles/CBMioAFBVV95cUxNU1hBUlRIUzNmTWg1NE1KYzRwV3ZJMkFnRmZwbmV4MXZsX2RkWFB5Y3Y0enFQem1nN24xNkRFUkhCNWJvSjZBMXFXdUVBemRmNE5hVHlRclJlRzVwOU9EZVFSYmE3OFp4X3kyR3BTNkdCS1AtX0pORjNFeXRKNjRFN2dpRW83Sjgtb2RmVW1wS194M0hpelltdElLMzdlQktU?oc=5) · Dallas News
- 2025-04-08 [Best Banks and Credit Unions in Texas 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPaHVBQTVTZmk3enlkTEFtTmNFVlFWMlpoMmJXcXZocEVHeXp1dmNJS1daUkpqVDROaXhqbnRhQXFSRmJfNXNmSkJhYW9UZDctTUl5bzVKQkpuWUpfNDg3TGRSajRaTFFYa2hpX1BUSFh6OGdibzFUX050UktoUmQtdTlqanY2NGM2cWNj?oc=5) · Newsweek Rankings
- 2019-12-01 [Austin Bank CEO/President to retire - marshallnewsmessenger.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPc2c3UWF6M09DMTdVWkFyYkM5RWE0bU1iLVNqaHVkdFBqRnloMTg2NjVBZnhQckM4VFBrMEVVQWJhRkZwQU41OUoxRXI4UHZ3bF85SXdTd1YwckVtX3N0ME5LdTNnOWpXb0MwQXV5TDZEd1FRNXh6cXRtbTFsdGpybFRIX3hpdWVx?oc=5) · marshallnewsmessenger.com
- 2026-01-20 [| Office of the Texas Governor | Greg Abbott - gov.texas.gov](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQOVhkV3FUaWVUTk1FS3BSTEJNMXhXcEc2RHVudDJXZWFVRWh5ZXY0SEowcjdHZGhpeUwxRk02M1FNcjF3aGtWR29tdEtPWVVzWmJRUU9zbmJnVnBuOGQyX2U0UldlWFdxY2NwRjJLRVgtZHh1eGo0S1R4N2lGTzE2TmRSbTJvSS1odklTdWRzRzZ0Y0tieWkzY0VaaC1zRndTbFZ4TFB1RWE?oc=5) · gov.texas.gov
- 2026-02-03 [Gov. Abbott appoints 2 East Texans to task force on early childhood care - cbs19.tv](https://news.google.com/rss/articles/CBMi5wFBVV95cUxQOW5pZDRmdEV4ZzdDdHZGckdMVUJDQkRTLU1QbUlXNDhSR3Z2X3lSeEZGSHNPQWwwYV9tc3MzNzRWN1lLeWk4Y3NSMUxxNk9RSzdSc2lHNHF3Vm1XSVNKTlJFSnE3YXd2UXprV0xNOVJQdjJrUFdwTTRjb0NMZ3oyV2pMMTMzZi1fWVRFaGpodUh0eGVVeUV4RW5GVE5lTi1JRzdOaWJNUkRnYW1saEZ1QjFBaXR0eXNXQTNzTEtPSkxFc0VrbGRBbnNNbmRrVkZXYXJNWkhhSm1CQkUyUnYySVJyWVZVSmc?oc=5) · cbs19.tv
- 2025-04-08 [America’s Best Regional Banks and Credit Unions 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMigwFBVV95cUxNMnhvQ3Z2UTJVaEVqSk1aTFZVYTI5TjJyc2ZJN085SzZiOHREWUFpUVB6NDBhZ3VKdWRPOWRsQ0pTU1VpSkdndnV0YmpKeEltRVZKa0NEUXpmWkVxSEltUGM0V084djNEVzFyV1VHd25sWjVjUEVjS2RmRzhBb0tPQUROYw?oc=5) · Newsweek Rankings
- 2025-08-02 [Lawsuits filed: July 20-26, 2025 - Longview News-Journal](https://news.google.com/rss/articles/CBMidkFVX3lxTE9Gb1RoN0t5MDFRWkU5XzV4U1g0Q08yNUVGRF9NU3dxOFQ2cnR6SnpmQ2R5Vnh0M2lPdkRTZm1tSXl0VWxqUWRCNXhKUDhleEtQdlZQcE10MTk0SFlNZDJkM0NjdGQzYkJzMUJHZ0o0d05YNGJKTXc?oc=5) · Longview News-Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3276 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/12.json (key "3276", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide