Texas National Bank

Texas National Bank


Overview / Commentary
956-565-2485
201 S. Texas
Mercedes, TX 78570

Texas National Bank is headquartered in Mercedes and is the 165th largest bank in the state of Texas. It is also the 1,845th largest bank in the nation. It was established in 1920 and as of June of 2020, it had grown to 103 employees at 7 locations. Texas National Bank has an A health rating.

Reviews (2)

A Small Bank That Knows Me

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.

Uncommonly Personal

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.



Health

Health Grade Components

Overall
FDIC Certificate #3337
Year Established1920
Employees103
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.39%
Return on Equity - YTD17.12%
Annual Interest Income$8.8MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$420.6MM$297.5MM
LoansQ2 2020vs Q2 2019$300.1MM$186.7MM
DepositsQ2 2020vs Q2 2019$321.0MM$258.7MM
Equity CapitalQ2 2020vs Q2 2019$31.2MM$27.0MM
Loan Loss AllowanceQ2 2020vs Q2 2019$3.5MM$2.8MM
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$989.00K$886.00K
Real Estate OwnedQ2 2020vs Q2 2019$1.1MM$1.5MM
Rates

Sorry, we do not have rate data for Texas National Bank.

Locations


Texas National Bank Locations
Texas National Bank201 S. TexasMercedes, TX 78570
South Jackson Branch4908 South Jackson StreetEdinburg, TX 78539
Tnb North Mcallen Branch6901 North 10th StreetMcallen, TX 78504
Weslaco Branch621 South International BlvdWeslaco, TX 78596
Mission/Shary Branch501 N. Shary RoadMission, TX 78572
Tnb-Elsa Branch720 E EdinburgElsa, TX 78543
Tnb - San Juan Branch920 W. Interstate Highway 2San Juan, TX 78589

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