← The catalogue
Q2 2026 · read from the 30 June 2026 Call Report · United States · Southwest · Texas, the state note

Austin Bank Texas N.A.

Jacksonville, Texas · $3.33B in assets · beside the 11 other Texas banks between $3B and $10B

The filing

15.1%
Equity / assets
2nd of 12
2.4x
Coverage of noncurrent
2nd of 11
89.3%
Loans / deposits
10th of 12

Austin Bank Texas N.A. is the ninth largest of the 12 Texas banks nearest its size between $3B and $10B, with $3.33B in assets at 30 June 2026. Loans are 89.3% of deposits, 10th of 12 against a median of 68.7%, and equity is 15.1% of assets, 2nd of 12. Loans grew +0.7% in the year, 9th of 12, and deposits grew 5.4%; the cohort's median loan growth is +3.4%.

Noncurrent loans are 0.60% of the book, 4th of 12 against a median of 0.91%; 0.33% is 30 to 89 days past due, and the allowance covers them 2.4 times. Commercial real estate is 26.8% of loans, 3rd of 12 against a median of 44.7%, and 135% of capital, below the 300% screen, with construction at 67% against the 100% screen.

Return on assets is 2.07%, 3rd of 12 against a median of 1.60%, on an efficiency ratio of 51.3%, 5th of 12. Five years ago it was 1.46%. The question is which of these lines moves first over the next four quarters, and against which peer.

Equity as a share of assetsTX banks $3B to $10B · 30 June 2026 · higher is stronger, listed first
median 11.7% MB Monet Bank 31.5% AB Austin Bank Texas N.A. 15.1% TB Texas Bank & Trust Co. 12.9% IB International Bank of Com 12.7% WB Weststar Bank 11.7% LS Lone Star National Bank 11.7% IN Inwood National Bank 11.6% VN Verabank National Association 11.4% CC Cornerstone Capital Bank SSB 10.8% VB Vantage Bank Texas 8.6% TE Texas Exchange Bank 8.2% FN First National Bank Texas 6.7%
Loans, year over yearTX banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +3.4% CC Cornerstone Capital Bank SSB +67.5% MB Monet Bank +18.5% VB Vantage Bank Texas +14.7% WB Weststar Bank +9.5% FN First National Bank Texas +6.9% LS Lone Star National Bank +4.0% IB International Bank of Com +2.7% IN Inwood National Bank +1.7% AB Austin Bank Texas N.A. +0.7% VN Verabank National Association -1.5% TB Texas Bank & Trust Co. -1.7% TE Texas Exchange Bank -23.7%

SBA 7(a), FY2008 to FY2026

Austin Bank Texas N.A. is the 183rd largest 7(a) lender into Texas of 706, with $29M across 97 loans, 0.1% of everything approved in the state (Live Oak Banking Company leads with $2.53B). 12 of its 18 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Texas, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Smith, TX$12M5th of 1014.5%-0.4 pts
Gregg, TX$4M13th of 672.4%thin
Nacogdoches, TX$3M6th of 352.4%quiet FY2019
Cherokee, TX$3M7th of 314.1%thin
Kaufman, TX$2M29th of 860.9%quiet FY2021
Harrison, TX$1M12th of 363.0%quiet FY2017
Anderson, TX$1M19th of 371.9%quiet FY2017
Polk, AR$488K7th of 111.1%thin
Henderson, TX$358K38th of 500.4%quiet FY2008
Rains, TX$350K11th of 171.7%quiet FY2011
Jasper, TX$256K15th of 211.5%quiet FY2013
Madison, TX$242K10th of 121.5%quiet FY2018
Marion, TX$185K9th of 122.1%thin
5 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Manufacturing14$10M32.4%0.02%476th of 2,246
Construction6$4M14.1%0.01%643rd of 2,063
Retail trade20$4M13.0%0.01%830th of 2,589
Accommodation & food services14$3M10.7%0.00%1022nd of 2,596
Agriculture, forestry & fishing6$3M10.2%0.04%253rd of 1,007
7(a) lenders into Texas, share of approvals since FY2008706 lenders on record; the ten largest and Austin Bank Texas N.A.
LO Live Oak Banking Company 5.8% $2.53B · 1,820 loans TH The Huntington National Bank 5.2% $2.28B · 3,585 loans WF Wells Fargo Bank National Associa… 4.6% $2.02B · 7,244 loans PB PNC Bank, National Association 3.9% $1.70B · 8,154 loans JC JPMorgan Chase Bank, National Ass… 3.4% $1.49B · 7,339 loans WB Wallis Bank 3.2% $1.41B · 1,134 loans CB Celtic Bank Corporation 2.0% $879M · 1,359 loans Bo Bank of Hope 1.7% $741M · 1,359 loans RL Readycap Lending, LLC 1.7% $728M · 1,216 loans EB Enterprise Bank & Trust 1.6% $717M · 569 loans AB Austin Bank Texas National Associ… 0.1% $29M · 97 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers, Austin Bank Texas N.A. among them; owner-occupied excluded; bold marks a screen met
Austin Bank Texas N.A.RankCohort median
Total CRE against capital, the 300% screen135%4th of 12186%
Construction against capital, the 100% screen67%10th of 1257%
Construction and land development, share of loans13.2%8th of 1212.2%
Non-owner-occupied nonfarm nonresidential, share of loans12.9%3rd of 1224.6%
Total CRE, the guidance definition, share of loans26.8%3rd of 1244.7%
CRE growth over 36 months, the third prong+3.6%3rd of 12+22.9%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Vantage Bank Texas$5.14B1.6%55.5%0.87%0.30%1.3%88.9%8.6%
First National Bank Texas$4.64B1.2%84.5%1.23%0.83%1.3%55.8%6.7%
Verabank National Association$4.58B1.6%57.9%0.96%0.10%1.2%69.6%11.4%
International Bank of Com$4.56B1.7%38.5%9.17%0.11%2.5%40.2%12.7%
Texas Exchange Bank$4.49B0.6%95.2%0.00%0.00%1.4%26.2%8.2%
Texas Bank & Trust Co.$4.34B1.6%54.7%0.61%0.01%1.2%91.5%12.9%
Inwood National Bank$4.26B1.6%38.2%0.37%0.41%0.9%67.7%11.6%
Cornerstone Capital Bank SSB$3.67B0.1%89.0%3.62%0.07%0.6%110.0%10.8%
Austin Bank Texas N.A.$3.33B2.1%51.3%0.60%0.05%1.5%89.3%15.1%
Lone Star National Bank$3.28B1.4%63.1%1.06%0.02%1.2%61.5%11.7%
Weststar Bank$3.28B2.3%47.0%0.00%-0.01%1.0%88.6%11.7%
Monet Bank$3.16B4.2%20.6%25.76%-4.13%1.5%49.8%31.5%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Austin Bank Texas N.A.Cohort median
20212026Change20212026Change
Loans$1.61B$2.50B+55%$1.44B$2.49B+73%
Deposits$2.10B$2.80B+33%$2.37B$3.27B+38%
NPA / loans0.74%0.60%-0.14 pts0.46%0.91%+0.46 pts
Efficiency57.2%51.3%-5.8 pts56.3%55.1%-1.3 pts
ROA1.46%2.07%+0.61 pts1.41%1.60%+0.19 pts

This read was prepared for Austin Bank Texas N.A.'s board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Austin Bank Texas N.A. is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort TX banks $3B to $10B
Institution www.austinbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
← Back to the catalogue