Austin Bank, Texas
Austin Bank, Texas reported total assets of $3.3 bn at Q2 2026, up 6.5% on a year earlier, the 378th largest of 497 banks in our US coverage. Austin Bank, Texas uses the community bank leverage ratio framework, with a leverage ratio of 15.12%, and the uninsured share of Austin Bank, Texas was 26.04%. Source: FDIC Call Reports.
Key takeaways
- Since , Austin Bank, Texas has taken over one institution; the latest was The Chasewood Bank on (FDIC Call Reports).
- On efficiency ratio, Austin Bank, Texas climbed from 216th to 156th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Austin Bank, Texas has one of the highest net interest margin readings among banks of $1 bn to $10 bn: 5.25% at , against a median of 3.66% across 339 banks (FDIC Call Reports).
What sets Austin Bank, Texas apart
- At 15.12%, the tier 1 leverage ratio of Austin Bank, Texas sits in the top tenth of its size group ($1 bn to $10 bn, 339 banks), where the median is 10.45%.
- Few banks of $1 bn to $10 bn report a higher return on assets (ROA) than Austin Bank, Texas, at 2.08% in against a group median of 1.32%.
How large is Austin Bank, Texas?
The balance sheet of Austin Bank, Texas at : assets $3.3 bn, deposits $2.8 bn, net loans $2.5 bn (loans equal to 88.01% of deposits). Securities make up 14.0% of total assets at Austin Bank, Texas. Since , when Austin Bank, Texas held $1.6 bn, its assets grew 111.4%. In the year to , deposits at Austin Bank, Texas rose 5.4% while its total assets rose 6.5%. At , Austin Bank, Texas employed 533 full-time equivalent staff across 39 offices, about $6.3 mn of assets per employee and $71.7 mn of deposits per office.
How much funding at Austin Bank, Texas is uninsured?
At Austin Bank, Texas, uninsured deposits (above the FDIC limit) made up 26.04% of domestic deposits at (+2.34 pp on a year earlier); Austin Bank, Texas ranks 366th of 500 on this measure. In dollars, Austin Bank, Texas estimated $728.7 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.8 bn | +5.4% | 381st of 499 |
| Net loans and leases | $2.5 bn | +0.6% | 369th of 500 |
| Loan-to-deposit ratio | 88.01% | -4.24 pp | 234th of 500 |
| Net interest margin | 5.25% | +0.41 pp | 34th of 500 |
| Return on assets (ROA) | 2.08% | +0.37 pp | 40th of 500 |
| Efficiency ratio | 51.33% | -5.14 pp | 156th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $174,000 | Narrowed by $324,000 | |
| Unrealized gain/loss on available-for-sale securities | Loss of $6.6 mn | Widened by $517,000 | |
| Noncurrent loans to total loans | 0.60% | +0.12 pp | 244th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.05% | -0.03 pp | 188th of 500 (1 = lowest) |
US rank of Austin Bank, Texas: 1 = highest unless marked 1 = lowest.
Balance sheet
Austin Bank, Texas: assets, deposits and loans
- Total assets $3.3bn
- Deposits $2.8bn
- Net loans $2.5bn
Capital and securities
Austin Bank, Texas uses the community bank leverage ratio framework, so it reports no risk-based ratios; its leverage ratio was 15.12% in . Equity capital of Austin Bank, Texas at : $504.4 mn, or 15.1% of total assets.
On held-to-maturity securities, Austin Bank, Texas carried an unrealized loss of $174,000 at , equal to 0.0% of equity capital. The loss narrowed by $324,000 over the year. Its deepest point: $2.1 mn in . The available-for-sale portfolio of Austin Bank, Texas showed an unrealized loss of $6.6 mn at ; the loss widened by $517,000 over the year.
Austin Bank, Texas: capital ratios
- Total capital 20%
- CET1 19%
- Tier 1 leverage 15%
Austin Bank, Texas: unrealized securities gains and losses
- Available for sale -$7mn
- Held to maturity -$174,000
Profitability and loan quality
For the year to , Austin Bank, Texas earned a return on equity of 13.87%; return on assets: 2.08%. Net interest margin at Austin Bank, Texas: 5.25%, +0.41 pp in a year. Austin Bank, Texas net income: $34.1 mn, up 30.3% year on year. The efficiency ratio of Austin Bank, Texas was 51.33%: about 51 cents cost per revenue dollar, against 59 cents at the median peer.
At , noncurrent loans were 0.60% of total loans at Austin Bank, Texas; net charge-offs: 0.05% of average loans. Gross loans and leases at Austin Bank, Texas: $2.5 bn, up 0.7% in a year.
Austin Bank, Texas: profitability
- Return on equity 14%
- Net interest margin 5.3%
- Return on assets 2.1%
Peer group of Austin Bank, Texas
The peer group of Austin Bank, Texas is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of Austin Bank, Texas (national bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Texas. Against them, Austin Bank, Texas shows return on equity 13.87% against a peer median of 11.73% and uninsured deposit share 26.04% against a peer median of 29.02%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Banterra Bank | State nonmember bank | IL | $3.4 bn | 9.85% | 13.79% | 19.06% | |
| Lake Ridge Bank | State nonmember bank | WI | $3.4 bn | 11.97% | 10.11% | 29.38% | |
| Libertyville Bank & Trust Company | National bank | IL | $3.3 bn | 10.88% | 16.75% | 28.67% | |
| Austin Bank, Texas | National bank | TX | $3.3 bn | not reported | 13.87% | 26.04% | |
| TruNorth Bank | State member bank | MA | $3.3 bn | 15.98% | 7.15% | 30.70% | |
| Red River Bank | State nonmember bank | LA | $3.3 bn | 17.32% | 13.35% | 31.72% | |
| BankFirst Financial Services | State member bank | MS | $3.3 bn | not reported | 8.41% | 24.27% | |
. FDIC Call Reports.
Last eight quarters
Two years at Austin Bank, Texas, to : assets +14.1%, deposits +13.7%, equity +22.9%. Staff 515 to 533; offices 36 to 39.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.9 bn | $2.9 bn | $3.1 bn | $3.1 bn | $3.2 bn | $3.2 bn | $3.3 bn | $3.3 bn |
| Total deposits | $2.5 bn | $2.5 bn | $2.6 bn | $2.7 bn | $2.7 bn | $2.7 bn | $2.7 bn | $2.8 bn |
| Bank equity capital | $410.4 mn | $419.5 mn | $433.2 mn | $445.4 mn | $463.3 mn | $477.8 mn | $492.9 mn | $504.4 mn |
| Return on equity (ROE) | 11.38% | 11.79% | 11.00% | 12.10% | 12.78% | 13.39% | 13.64% | 13.87% |
| Uninsured share of domestic deposits | 26.19% | 23.37% | 24.08% | 23.71% | 24.89% | 24.99% | 24.72% | 26.04% |
| Full-time equivalent employees | 515 | 517 | 532 | 541 | 529 | 527 | 537 | 533 |
| Number of offices | 36 | 36 | 38 | 38 | 38 | 39 | 39 | 39 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Austin Bank, Texas, oldest first; figures before and after each event are not like for like.
- . Absorbed The Chasewood Bank (FDIC certificate 24272).
Questions and identifiers
What were the total assets of Austin Bank, Texas?
Austin Bank, Texas reported $3.3 bn at in its Call Report. That makes Austin Bank, Texas the 378th largest of 497 banks in our US coverage.
Is Austin Bank, Texas the same as its holding company?
No. This page covers Austin Bank, Texas, FDIC certificate 3276; JSA FAMILY LTD PARTNERSHIP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Austin Bank, Texas profitable?
Austin Bank, Texas reported net income of $34.1 mn for the year to ; annualized return on equity: 13.87%. So yes: Austin Bank, Texas made a profit over these months.
When is data for Austin Bank, Texas next updated?
Figures from Austin Bank, Texas for are due after .
Where can I check the figures for Austin Bank, Texas?
In the FDIC BankFind Suite record for certificate 3276, and in the Call Reports of Austin Bank, Texas (RSSD ID 548351) at the FFIEC Central Data Repository.