Txn Bank (FDIC #15345): Bank Stress & Real-Estate Credit Exposure
Txn Bank (FDIC Cert #15345): bank stress 79/100, severe, STABLE over 7 days; parent TXN BANCSHARES INC.
Txn Bank (#15345) lends in 5 counties across 1 state; Txn Bank (#15345) reaches 46 ZIP codes: Texas 5 counties, 46 ZIPs.
Txn Bank (#15345) largest markets: Atascosa County, TX (16 branches, 16 ZIPs) (#15345), Medina County, TX (45 branches, 15 ZIPs) (#15345), Real County, TX (8 branches, 8 ZIPs) (#15345), Uvalde County, TX (8 branches, 8 ZIPs) (#15345), Bandera County, TX (7 branches, 7 ZIPs) (#15345).
Txn Bank (#15345) reports $669.2 million in total assets; Txn Bank (#15345) equity $51.2 million (7.7% of Txn Bank (#15345) assets); Txn Bank (#15345) domestic deposits $613.0 million; Txn Bank (#15345) net income $3.3 million; Txn Bank (#15345) return on assets 0.99%; Txn Bank (#15345) return on equity 12.99%; Txn Bank (#15345) net interest income $10.2 million; Txn Bank (#15345) call report June 30, 2026.
Txn Bank (#15345) noncurrent real-estate loans 0.02% of its book; Txn Bank (#15345) net charge-offs on real estate 1.17%; Txn Bank (#15345) multifamily charge-offs 10.12%; Txn Bank (#15345) residential charge-offs 1.29%.
Txn Bank (#15345) net interest margin 3.49% against an eight-quarter Txn Bank (#15345) average of 3.13% (Txn Bank (#15345) compression -0.36 points); Txn Bank (#15345) real-estate loans 1.5% of equity; Txn Bank (#15345) non-residential real estate 128.8% of equity; Txn Bank (#15345) rate-exposure score 40/100, Txn Bank (#15345) fixed-rate trap 40/100; Txn Bank (#15345) risk type credit driven; Txn Bank (#15345) rate regime rates elevated, Txn Bank (#15345) snapshot October 19, 2026.
Txn Bank (#15345) stress score moved from 78.6 on June 22, 2026 to 78.9 on October 19, 2026; Txn Bank (#15345) ranged 78.6 to 78.9 over 116 snapshots.
Txn Bank (#15345) alerts: 5 counties; top Txn Bank (#15345) alert scores: Uvalde County, TX 48 (moderate); Bandera County, TX 43 (moderate); La Coste County, TX 24 (low); Leakey County, TX 24 (low); Lytle County, TX 24 (low).