Austin Bank Texas NA (FDIC #3276): Bank Stress & Real-Estate Credit Exposure
Austin Bank Texas NA (FDIC Cert #3276): bank stress 31/100, contained, STABLE over 7 days; parent JSA FAMILY LTD PARTNERSHIP.
Austin Bank Texas NA (#3276) lends in 14 counties across 1 state; Austin Bank Texas NA (#3276) reaches 287 ZIP codes: Texas 14 counties, 287 ZIPs.
Austin Bank Texas NA (#3276) largest markets: Harris County, TX (429 branches, 143 ZIPs) (#3276), Montgomery County, TX (54 branches, 27 ZIPs) (#3276), Smith County, TX (230 branches, 23 ZIPs) (#3276), Harrison County, TX (15 branches, 15 ZIPs) (#3276), Liberty County, TX (15 branches, 15 ZIPs) (#3276), Van Zandt County, TX (26 branches, 13 ZIPs) (#3276).
Austin Bank Texas NA (#3276) reports $3.33 billion in total assets; Austin Bank Texas NA (#3276) equity $504.4 million (15.1% of Austin Bank Texas NA (#3276) assets); Austin Bank Texas NA (#3276) domestic deposits $2.80 billion; Austin Bank Texas NA (#3276) net income $34.1 million; Austin Bank Texas NA (#3276) return on assets 2.08%; Austin Bank Texas NA (#3276) return on equity 13.87%; Austin Bank Texas NA (#3276) net interest income $81.0 million; Austin Bank Texas NA (#3276) call report June 30, 2026.
Austin Bank Texas NA (#3276) noncurrent real-estate loans: none reported; Austin Bank Texas NA (#3276) residential -0.15%; Austin Bank Texas NA (#3276) net charge-offs on real estate 0.55%; Austin Bank Texas NA (#3276) residential charge-offs 0.38%.
Austin Bank Texas NA (#3276) net interest margin 5.25% against an eight-quarter Austin Bank Texas NA (#3276) average of 4.83% (Austin Bank Texas NA (#3276) compression -0.42 points); Austin Bank Texas NA (#3276) non-residential real estate 38.3% of equity; Austin Bank Texas NA (#3276) rate-exposure score 40/100, Austin Bank Texas NA (#3276) fixed-rate trap 40/100; Austin Bank Texas NA (#3276) risk type rate trapped; Austin Bank Texas NA (#3276) rate regime rates elevated, Austin Bank Texas NA (#3276) snapshot October 20, 2026.
Austin Bank Texas NA (#3276) stress score moved from 30.5 on June 22, 2026 to 30.8 on October 20, 2026; Austin Bank Texas NA (#3276) ranged 30.5 to 30.8 over 117 snapshots.
Austin Bank Texas NA (#3276) alerts: 14 counties; top Austin Bank Texas NA (#3276) alert scores: Rusk County, TX 26 (low); Nacogdoches County, TX 25 (low); Cleveland County, TX 13 (low); Emory County, TX 13 (low); Gilmer County, TX 13 (low).