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300 Neches Street
Jacksonville, TX 75766

Texas National Bank of Jacksonville is headquartered in Jacksonville and is the 145th largest bank in the state of Texas. It is also the 1,721st largest bank in the nation. It was established in 1985 and as of March of 2014, it had grown to 74 employees at 5 locations. Texas National Bank of Jacksonville's money market rates are 93% higher than the national average, and it has a B+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Texas National Bank of Jacksonville had $4.91 million in non-current loans and owned real-estate with $41.35 million in equity and loan loss allowances on hand to cover it. This gives Texas National Bank of Jacksonville a Texas Ratio of 11.88% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Texas National Bank of Jacksonville decreased dramatically from 18.14% as of March 31, 2013 to 11.88% as of March 31, 2014, resulting in a positive change of 34.50%.This indicates that the balance sheet and financial strength for Texas National Bank of Jacksonville has improved dramatically in recent periods.

Deposit Growth


In the past year, Texas National Bank of Jacksonville has increased its total deposits by $38.37 million, resulting in 13.44% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Texas National Bank of Jacksonville has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Texas National Bank of Jacksonville has $386.49 million in assets with $41.35 million in equity, resulting in a capitalization level of 10.70%, which is above average.

Institution Statistics

FDIC Certificate #26181
Year Established1985
Primary RegulatorOCC
Assets and Liabilities
Assets$386.49 million
Loans$328.14 million
Deposits$323.94 million
Equity Capital$36.32 million
Loan Loss Allowance$5.04 million
Unbacked Noncurrent Loans$1.75 million
Real Estate Owned$3.17 million
Historic Data - March 2013
Assets$338.73 million
Equity Capital$32.69 million
Loan Loss Allowance$4.57 million
Unbacked Noncurrent Loans$1.75 million
Real Estate Owned$301,000
Profit Margin - Quarterly
Net Interest Margin4.42%
Return on Assets1.22%
Return on Equity12.61%
Interest Income$4.66 million

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Texas National Bank of Jacksonville Savings Account Rates

0.25%--Savings Account

Texas National Bank of Jacksonville Money Market Rates

0.85%$500k-Money Market Savings

Texas National Bank of Jacksonville Checking Account Rates

0.60%$500k-Now Account

Texas National Bank of Jacksonville CD Rates

1.51%$500-60 Month CD
1.51%$500-Business 60 Month CD
1.00%$500-36 Month CD
1.00%$500-Business 36 Month CD
0.85%$500-24 Month CD
0.85%$500-Business 24 Month CD
0.75%$500-18 Month CD
0.75%$500-Business 18 Month CD
0.60%$500-12 Month CD
0.60%$500-Business 12 Month CD
0.45%$500-6 Month CD
0.45%$500-Business 6 Month CD
0.20%$500-3 Month CD
0.20%$500-Business 3 Month CD
0.15%$500-1 Month CD
0.15%$500-Business 1 Month CD

Texas National Bank of Jacksonville Locations
Texas National Bank Of Jacksonville300 Neches StreetJacksonville, TX 75766
Rusk Branch484 North Main StreetRusk, TX 75785
Bullard Branch524 East MainBullard, TX 75757
Longview Branch612 East Hawkins ParkwayLongview, TX 75605
Marshall Branch716 East End BoulevardMarshall, TX 75670