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

Titan Bank N A

Mineral Wells, Texas · $896M in assets · beside the 11 other Texas banks between $300M and $1B

The filing

54.4%
Loans / deposits
1st of 12
7.26%
ROA
1st of 12
11.8%
Efficiency
1st of 12

Titan Bank N A is the sixth largest of the 12 Texas banks nearest its size between $300M and $1B, with $896M in assets at 30 June 2026. Loans are 54.4% of deposits, the lowest in the cohort against a median of 85.1%, and equity is 12.6% of assets, 3rd of 12. Loans grew +24.1% in the year, the fastest in the cohort, and deposits grew 35.8%; the cohort's median loan growth is +5.4%.

Noncurrent loans are 0.54% of the book, 7th of 12 against a median of 0.50%; 0.88% is 30 to 89 days past due, and the allowance covers them 2.2 times. Commercial real estate is 42.2% of loans, 8th of 12 against a median of 37.3%, and 142% of capital, below the 300% screen, with construction at 8% against the 100% screen.

Return on assets is 7.26%, the highest in the cohort against a median of 1.53%, on an efficiency ratio of 11.8%, the lowest in the cohort. Five years ago it was 3.62%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Loans as a share of depositsTX banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 85.1% TB Titan Bank N A 54.4% FN First National Bank of Granbury 63.6% FL First Liberty Bank 65.0% Bo Bank of the West 67.4% FS First State Bank 80.8% TB Texas Bank 84.9% TN Texas National Bank of Jacksonville 85.4% NN Newfirst National Bank 85.8% HB Harmony Bank 88.9% PS Plains State Bank 90.7% WB Western Bank 97.0% TH Texas Heritage National Bank 99.0%
Loans, year over yearTX banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +5.4% TB Titan Bank N A +24.1% FL First Liberty Bank +23.4% WB Western Bank +18.2% FS First State Bank +8.7% FN First National Bank of Granbury +6.2% HB Harmony Bank +5.7% TB Texas Bank +5.1% NN Newfirst National Bank -1.5% Bo Bank of the West -2.0% TH Texas Heritage National Bank -2.6% TN Texas National Bank of Jacksonville -4.8% PS Plains State Bank -6.1%

SBA 7(a), FY2008 to FY2026

Titan Bank N A is the 124th largest 7(a) lender into Texas of 706, with $67M across 75 loans, 0.1% of everything approved in the state (Live Oak Banking Company leads with $2.53B). 65 of its 66 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
Dallas, TX$20M64th of 3140.4%quiet FY2018
Tarrant, TX$11M71st of 2810.3%quiet FY2018
Maricopa, AZ$6M108th of 3030.1%quiet FY2015
Lawrence, SD$5M5th of 2210.1%thin
Collin, TX$5M103rd of 2610.2%quiet FY2018
Brazos, TX$4M15th of 922.0%quiet FY2014
Harris, TX$4M149th of 3140.0%quiet FY2015
Palo Pinto, TX$4M6th of 326.2%quiet FY2019
Travis, TX$3M113th of 2390.1%quiet FY2015
Lackawanna, PA$3M15th of 621.5%quiet FY2011
Bexar, TX$3M112th of 2370.1%quiet FY2012
Parker, TX$3M28th of 921.1%quiet FY2018
Grimes, TX$3M7th of 257.3%quiet FY2022
53 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
Accommodation & food services19$22M19.5%0.03%370th of 2,596
Real estate & leasing19$19M17.0%0.15%112th of 1,452
Health care & social assistance34$18M15.9%0.04%273rd of 2,172
Other services7$9M7.9%0.02%379th of 2,248
Retail trade12$9M7.9%0.01%527th of 2,589
7(a) lenders into Texas, share of approvals since FY2008706 lenders on record; the ten largest and Titan Bank 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 TB Titan Bank, National Association 0.2% $67M · 75 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 6 CBLR filers; owner-occupied excluded; bold marks a screen met
Titan Bank N ARankCohort median
Total CRE against capital, the 300% screen142%1st of 12214%
Construction against capital, the 100% screen8%1st of 12105%
Construction and land development, share of loans2.4%1st of 1216.9%
Non-owner-occupied nonfarm nonresidential, share of loans13.4%3rd of 1217.2%
Total CRE, the guidance definition, share of loans42.2%8th of 1237.3%
CRE growth over 36 months, the third prong+49.2%8th of 12+29.5%

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
Texas Bank$954M1.2%64.9%0.46%0.52%1.1%84.9%10.6%
Western Bank$947M1.9%62.9%0.31%0.00%1.2%97.0%8.9%
First National Bank of Granbury$946M1.3%58.1%0.78%0.01%1.2%63.6%11.1%
Texas Heritage National Bank$936M1.4%63.6%1.27%0.04%1.3%99.0%10.1%
Newfirst National Bank$935M3.3%39.5%0.21%0.01%1.4%85.8%12.4%
Titan Bank N A$896M7.3%11.8%0.54%0.00%1.2%54.4%12.6%
First State Bank$895M2.4%53.3%2.16%0.12%1.3%80.8%8.9%
First Liberty Bank$873M1.3%64.2%0.42%0.10%1.3%65.0%11.4%
Harmony Bank$855M1.1%63.8%0.02%0.50%1.1%88.9%16.3%
Texas National Bank of Jacksonville$852M-0.3%90.2%1.03%0.46%1.9%85.4%9.9%
Bank of the West$830M1.6%61.9%0.00%0.00%1.1%67.4%9.3%
Plains State Bank$828M1.6%55.0%4.41%0.01%1.6%90.7%16.5%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Titan Bank N ACohort median
20212026Change20212026Change
Loans$262M$420M+60%$378M$641M+70%
Deposits$474M$772M+63%$567M$784M+38%
NPA / loans0.01%0.54%+0.52 pts0.31%0.50%+0.19 pts
Efficiency26.4%11.8%-14.6 pts59.5%62.4%+2.9 pts
ROA3.62%7.26%+3.64 pts1.39%1.53%+0.14 pts

This read was prepared for Titan Bank 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 Titan Bank 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 $300M to $1B
Institution www.titanbank.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.
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