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Austin Bank, Texas National Association
Jacksonville, TX·FDIC Cert #3276·Charter: OCC·Est. 19001001.0·HC: JSA FAMILY LTD PARTNERSHIP
Total Assets
$3.2B
Q4 2025
Return on Assets
1.92%
+0.10%Peer avg: 1.25%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
53.96%
Peer avg: 57.8%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
60
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.92%+0.10
ROE
13.39%+0.61
Efficiency
53.96%-0.95
Equity/Assets
0.00%+0.00
NPL Ratio
0.61%+0.06
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
92.13%+1.08
Charge-offs
0.05%-0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.5 | 1.6 | 1.6 | 1.6 | 1.6 | 1.7 | 1.8 | 1.9 |
| ROE | 11.2 | 11.3 | 11.4 | 11.8 | 11.0 | 12.1 | 12.8 | 13.4 |
| Efficiency | 57.7 | 58.0 | 57.7 | 57.0 | 57.5 | 56.5 | 54.9 | 54.0 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.4 | 0.4 | 0.5 | 0.5 | 0.5 | 0.5 | 0.5 | 0.6 |
| Charge-offs | 0.2 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 |
| Loan/Deposit | 93.1 | 95.1 | 93.1 | 94.0 | 91.2 | 92.3 | 91.0 | 92.1 |
Balance Sheet
Total Assets$3.2B
Total Deposits$2.7B
Total Loans$2.5B
Total Equity$477.8M
Profitability
ROA1.92%
ROE13.39%
Efficiency Ratio53.96%
Net Income$60.0M
Risk & Asset Quality
NPL Ratio0.61%
Charge-off Rate0.05%
Loan/Deposit92.13%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans