Texas National Bank is headquartered in Mercedes and is the 157th largest bank in the state of Texas. It is also the 1,773rd largest bank in the nation. It was established in 1920 and as of December of 2020, it had grown to 107 employees at 7 locations. Texas National Bank has a B+ health rating.
I opened an account with Texas National Bank five years ago. At the time, they had only two locations. Now they are working on the fourth location. There are no minimum balance requirement on checking. Also, there are no fees for checking, transfers and bill pay. You can truly have a "no frills account" and never have to worry about surprise fees. They treat customers personally in a friendly manner. I like the fact that I have never had to show ID past my third or fourth visit. They know my name of course. That is the kind of service I like and never had associated this service coming from a bank. I had always banked with big banks before this, 30 plus years. I will never do so again. I will keep this bank for the rest of my life, even if I move. I just hope that big banks don't absorb all the small banks and change their personal service to their impersonal and indifferent attitude.
Texas National Bank is located in South Texas. There are three branches. The employees of the bank are very friendly and personal. You are always greeted immediately whenever you enter the bank. They know most customers by name. I opened my account three years ago and within a month, everyone knew my name. When I make a withdrawal, I am not typically asked for ID, something that is very uncommon in this day and age. Their checking accounts have no minimum and carry no fees or monthly charges. As for the physical qualities of the bank, it has a very large lobby with a high ceiling. One could never feel crowded in there. I have never in forty years banked with a better institution. I am a grateful and satisfied customer.
| Overall | |
|---|---|
| FDIC Certificate # | 3337 |
| Year Established | 1920 |
| Employees | 107 |
| Primary Regulator | OCC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.38% |
| Return on Equity - YTD | 17.12% |
| Annual Interest Income | $21.0MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2020vs Q4 2019 | $458.3MM$330.0MM |
| Loans | Q4 2020vs Q4 2019 | $324.5MM$205.2MM |
| Deposits | Q4 2020vs Q4 2019 | $349.7MM$285.6MM |
| Equity Capital | Q4 2020vs Q4 2019 | $35.8MM$28.3MM |
| Loan Loss Allowance | Q4 2020vs Q4 2019 | $4.2MM$3.2MM |
| Unbacked Noncurrent Loans | Q4 2020vs Q4 2019 | $1.3MM$904.00K |
| Real Estate Owned | Q4 2020vs Q4 2019 | $1.3MM$978.00K |
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| Texas National Bank Locations | ||
|---|---|---|
| Texas National Bank | 201 S. Texas | Mercedes, TX 78570 |
| South Jackson Branch | 4908 South Jackson Street | Edinburg, TX 78539 |
| Tnb North Mcallen Branch | 6901 North 10th Street | Mcallen, TX 78504 |
| Weslaco Branch | 621 South International Blvd | Weslaco, TX 78596 |
| Mission/Shary Branch | 501 N. Shary Road | Mission, TX 78572 |
| Tnb-Elsa Branch | 720 E Edinburg | Elsa, TX 78543 |
| Tnb - San Juan Branch | 920 W. Interstate Highway 2 | San Juan, TX 78589 |