Austin Bank Texas NA
Jacksonville, Texas · FDIC Cert #3276
Austin Bank Texas NA is an FDIC-insured bank (Certificate #3276) with $2.8B in total assets and $2.4B in total deposits as of the Q2 2024 Call Report. Headquartered in Jacksonville, Texas, the bank maintains a Tier 1 capital ratio of 0.00% (Critically Undercapitalized) and a nonperforming loan ratio of 0.36%. BankHealthData assigns a composite Health Grade of D (48/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Austin Bank Texas NA (FDIC cert 3276) is a mid-sized bank with $2.8B in total assets and $2.4B in deposits, based in Jacksonville, Texas. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Tier 1 capital ratio is not disclosed in the most recent Call Report — unusual but possible for new institutions or those filing under specific regulatory exemptions. Asset quality is clean: non-performing loan ratio of 0.36% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is in the normal range: 15.4% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is strong: return on assets of 1.97% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Austin Bank Texas NA carries a composite BankHealth grade of D (48/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Austin Bank Texas NA
- Total Assets
- $2.8B
- Total Deposits
- $2.4B
- Tier 1 Capital Ratio
- 0.00%
- Capital Status
- Critically Undercapitalized
- Nonperforming Loans
- 0.36%
- Liquidity Ratio
- 15.44%
- Return on Assets
- 1.97%
- Headquarters
- Jacksonville, Texas
- FDIC Certificate
- #3276
- Health Grade
- D (48/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Austin Bank Texas NA holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject Austin Bank Texas NA to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
Austin Bank Texas NA shows some financial weakness with a Health Score of 48/100. This does not mean the bank will fail, but some financial indicators are below average. Your FDIC-insured deposits (up to $250,000) are fully protected by the US government.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Austin Bank Texas NA Compares
Austin Bank Texas NA’s Health Score of 48 is 26 points below the Texas state average of 74 across 321 FDIC-insured banks. Its 0.00% Tier 1 capital ratio is 14.0 points below the US banking industry average near 14%. The 0.36% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.97% is in line with or above the national ROA benchmark of ~1.1%. Among 464 similarly-sized banks, the average Health Score is 73, meaning this bank ranks below its size cohort. Site-wide, Austin Bank Texas NA is 22 points below the portfolio average of 70.
Frequently Asked Questions
Austin Bank Texas NA has a Bank Health Score of D (48/100), placing it showing signs of financial stress. It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Austin Bank Texas NA's Tier 1 capital ratio of 0.00% and nonperforming loan ratio of 0.36% indicate an elevated risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Austin Bank Texas NA is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #3276). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Austin Bank Texas NA holds $2.8B in total assets and $2.4B in total deposits. It is headquartered in Jacksonville, Texas (FDIC Certificate #3276).
Austin Bank Texas NA has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.36%, and the return on assets is 1.97%.
Yes. Austin Bank Texas NA is FDIC-insured (Certificate #3276). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An D grade on our Bank Health Score means 40-54/100 — multiple metrics showing stress; worth monitoring. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Austin Bank Texas NA shows financial stress on one or more metrics. While insured deposits remain protected up to $250K per depositor per ownership category, depositors with higher balances may want to spread funds across additional FDIC-insured institutions. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.