# TEXAS NATIONAL BANK
MERCEDES, TX · FDIC certificate 3337 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 2 (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 | $1.22B | |
| Deposits | $1.07B | |
| Loans and leases | $757.6M | |
| Total equity | $114.9M | |
| Loans / deposits | 69.84% (p16 of band) | 87.10% |
| Liquid assets / assets | 29.32% (p75 of band) | |
| Uninsured deposits / deposits | 43.79% (p81 of band) | 30.76% |
| Brokered deposits | 0.07% | |
| Wholesale funding | 2.02% (p29 of band) | |
| FHLB advances / assets | 1.94% | |
| Tier 1 leverage | 10.17% (p42 of band) | 10.50% |
| Unrealized securities loss / equity | -11.29% (p37 of band) | -7.75% |
| AOCI / equity | -2.30% (p4 of band) | |
| ROA (annualized) | 1.16% (p42 of band) | 1.26% |
| Net interest margin | 4.50% (p88 of band) | 3.70% |
| Efficiency ratio | 65.12% (p68 of band) | |
| Noncurrent loans | 0.28% (p30 of band) | 0.51% |
| Net charge-offs (annualized) | 0.04% (p60 of band) | |
| Reserve coverage of noncurrent | 505.81% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 112.83% (p92 of band) | |
| Auto loans | $1.1M (0.14% of loans; DQ 9.33%, NCO 0.00%) | |
| Loans to nondepository financials | $23.0M (20% of equity) (p92 of band) | |
| Deposits YoY | 25.7% | |
| Employees | 194 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | reserve under noncurrent |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 3 | loans exceed deposits, uninsured deposits leaving |  |
| 2014-09 | 4 | construction >100% equity |  |
| 2014-12 | 2 |  | loans exceed deposits, uninsured deposits leaving |
| 2015-03 | 2 | capital falling | construction >100% equity |
| 2015-06 | 0 |  | reserve under noncurrent, capital falling |
| 2015-09 | 1 | construction >100% equity |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 2 | capital falling |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 |  | capital falling |
| 2017-03 | 0 |  | construction >100% equity |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | construction >100% equity |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | construction >100% equity |
| 2018-06 | 1 | construction >100% equity |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | capital falling |  |
| 2020-06 | 3 | wholesale funding >15% |  |
| 2020-09 | 1 |  | capital falling, wholesale funding >15% |
| 2020-12 | 2 | wholesale funding >15% |  |
| 2021-03 | 1 |  | wholesale funding >15% |
| 2021-06 | 2 | wholesale funding >15% |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | wholesale funding >15% |
| 2022-03 | 2 | uninsured deposits >50% |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 | assets shrinking | uninsured deposits >50% |
| 2022-12 | 2 | uninsured deposits >50% | assets shrinking |
| 2023-03 | 1 |  | uninsured deposits >50% |
| 2023-06 | 2 | capital falling |  |
| 2023-09 | 1 |  | capital falling |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | capital falling |  |
| 2024-06 | 1 |  | capital falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | capital falling |  |
| 2025-06 | 1 |  | capital falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | capital falling |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 |  |  |

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

- 2026-06-08 [Texas National Bank Executive Sees Bank On INT as Investment in Future Workforce - Texas Border Business](https://news.google.com/rss/articles/CBMiswFBVV95cUxOQmk1b29RaUpZWTgzZXNySVJIa3RkdUMyVVl5dHlXZHpvaE9tQTk5bVBYT2l6c0liNmRkdlRtMEFEckMxYzMzN0hVaUZ6NmFhMUl1b3htV1Yya1ZIQnN3SkVodjdoenV1WUNQRnBGTmp0bFM2OTR2V0dDLTVRcDQ2Q1JJbC1qdWxmWUg3cTFrNVFueDJmSG50aFhlYklRV2xNWlQzRVBrT3pjRm9NY0E2VnVrNA?oc=5) · Texas Border Business
- 2024-03-26 [Made in the 956: Texas National Bank - KRGV](https://news.google.com/rss/articles/CBMib0FVX3lxTFBlQVRtakpLS2ZoTmNJMXVteXJxNk56QnZlTTV2MG5BN1ZiQ2xyNWlBTlZnV2Q3akFRbEtWTWZOT1Q1a01Ya0ZDcktOQ3dPZ1lZa2J6cE50bGE0RENLeEJaTU56WEdsTDZDczctWHFYWQ?oc=5) · KRGV
- 2023-12-20 [West Texas National Bank to expand into Plainview, Lockney in 2024 - Lubbock Avalanche-Journal](https://news.google.com/rss/articles/CBMizwFBVV95cUxOZFBqQnJaZXFncXlXdTYxajUwblJ6LTlLYkl3Vll5bmlfU3VBSEZieDJCTXlGa0ZXMXZjbzUtMDM0aDd3eGxlQzh0ZGt5ZkVmWl9WalZ0aFBQSkdZTmNkSThqbEpTanlRLS1WVmxMMzN1NHJxMXNBUU5vLVJmUVhaOWxQRzBxX2ZZdFZCUmtMSzFxUVhnZmV6SVdWTmt1VlRXc2RHUUppT21HdDVnb1V2NUZ3bl9UekRCREYxZDUyaF9zQ09IbVpMRHBlWGJKUGM?oc=5) · Lubbock Avalanche-Journal
- 2025-07-28 [East Texas Financial Corporation, Kilgore, announces plans to acquire Texas National Bancorporation, Inc. - Panola Watchman](https://news.google.com/rss/articles/CBMickFVX3lxTFBvb1VCNlJ5UDFfeE85RW1qTVg5dGRmNzd6ZUIzUC1yZ2t2Nm9halNLWm1zWjhOV0RGUTBRekRLMFJJOXIyYWE2b0lXbm5ZNFh5NkNyMUhLMDVIZnhfQ0lzaFpLc0NKa2pGSnptTUtzOWlOQQ?oc=5) · Panola Watchman
- 2022-01-08 [Business notebook: Texas National Bank names new president/CEO - Abilene Reporter-News](https://news.google.com/rss/articles/CBMi1wFBVV95cUxOZF9ablp0Z19xRkJYc0xoMVVkNjlHano5VVIzdFMzTlc4WVJnZ3VFMTh2ZVBsOUdPNWpMdmRuNlZIV1V4N3BmcDh0UE1BdU1KY2Vrc2w2ckpZWG90LUZ6MEtzZnp3TGlMaENLZnp5QV8tUGJFcWxDMm1ZaS1jTFQ3UmxJRHhXWHZFaXFPbjdWZTdhME1tejktc2JfMzFCbkFxVURHZFJsZHpuS01rOFo3NzNjY0hYRFhDMGUzVWlFeTQ3dFJleV9RVDdDWmpRbzB2UnNOY1lTOA?oc=5) · Abilene Reporter-News
- 2018-03-08 [West Texas National Bank Promotes New Chief Lending Officer - PR Newswire](https://news.google.com/rss/articles/CBMitgFBVV95cUxNNExDMXJacWlWZUszV1VrOTNCSjg4OGgwRDZZTlBxeTRxRzhFSnVWUXNJb2YzWk0yM3BxUUFwRVg5OHN4YWxqUFpFTGRuSFdCTlFyTHYzeEdBOFFhbFZJRi1WX2MtSFdvLUljYy1wSXFzSEJGMXRPb21lZ2I5UUNCaE5iXzFzOGJ3aUNKcjN2UEI1QTVkblM0NVc0Vkp3UG4wY1BzalFGdy10RjNhcXdUQm0yTjBqZw?oc=5) · PR Newswire
- 2024-09-30 [F. Herman Coleman Jr. Obituary May 28, 2004 - Wilkirson-Hatch-Bailey Funeral Home](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE96cGdvb3BxdWZadWl4OFl3QlFQc2FPTXdWV3hRWW04LTFBQkp5dFJXcDJyVldkdmNqdGswY0JhMmExanl0UXpZeU1VOW55eU1ham05T2UtRDlNcUFsR2YzUkpHQ1BydzQ?oc=5) · Wilkirson-Hatch-Bailey Funeral Home
- 2023-12-15 [West Texas National Bank taps Willis McCutcheon to lead Plainview market - Plainview Herald](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPM0JtREZNa2x0Z2I4ZndraGd5cDljSjdnNHBqTWpaVmRZQ3Q3NWF1T0JvZi13N0lKMmxVRzJJN1YtMzJSWmtJVDF4b2ItZWljaWdxN3N0aDZaS0ZPOTZ4R3prREtIdDc5bTJyRVREVzBtWDhrTVY4dVBTb29NNVJDbUZfT2NDQmlvQVJFY29KNzlnRW5NUzltN3FVNkQ5RnF1WkJoQ21VaWk?oc=5) · Plainview Herald

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3337 (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/9.json (key "3337", 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