Texas Republic Bank NA
Frisco, Texas · FDIC Cert #3400
This is the FDIC profile for Texas Republic Bank NA, an FDIC-insured bank (Certificate #3400) with $486M in total assets and $364M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Frisco, Texas, the bank maintains a Tier 1 capital ratio of 11.84% (Well-Capitalized) and a nonperforming loan ratio of 1.56%. BankHealthData assigns a composite Health Grade of B (65/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Texas Republic Bank NA (FDIC cert 3400) is a community bank — $486M in total assets, $364M in deposits, serving the Frisco, Texas area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 11.84% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is normal: non-performing loan ratio of 1.56% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is thin: 15.0% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is strong: return on assets of 1.52% 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 mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Texas Republic Bank NA carries a composite BankHealth grade of B (65/100) 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: Texas Republic Bank NA
- Total Assets
- $486M
- Total Deposits
- $364M
- Tier 1 Capital Ratio
- 11.84%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.56%
- Liquidity Ratio
- 14.99%
- Return on Assets
- 1.52%
- Headquarters
- Frisco, Texas
- FDIC Certificate
- #3400
- Health Grade
- B (65/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Texas Republic Bank NA files quarterly Call Reports with the FDIC under Certificate #3400. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Texas Republic Bank NA holds a Tier 1 capital ratio of 11.84%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Texas Republic Bank NA has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Texas Republic Bank NA shows strong financial health indicators. With $486M in assets and a Health Score of 65/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
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 Texas Republic Bank NA Compares
Texas Republic Bank NA’s Health Score of 65 is 20 points below the Texas state average of 85 across 321 FDIC-insured banks. Its 11.84% Tier 1 capital ratio is 2.2 points below the US banking industry average near 14%. The 1.56% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.52% is in line with or above the national ROA benchmark of ~1.1%. Among 1462 similarly-sized banks, the average Health Score is 80, meaning this bank ranks below its size cohort. Site-wide, Texas Republic Bank NA is 15 points below the portfolio average of 80.
Frequently Asked Questions
Texas Republic Bank NA has a Bank Health Score of B (65/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 11.84%, which is above 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. Texas Republic Bank NA's Tier 1 capital ratio of 11.84% and nonperforming loan ratio of 1.56% indicate a low 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 Texas Republic Bank NA is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #3400). 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.
Texas Republic Bank NA holds $486M in total assets and $364M in total deposits. It is headquartered in Frisco, Texas (FDIC Certificate #3400).
Texas Republic Bank NA's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #3400 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Texas Republic Bank NA has a Tier 1 capital ratio of 11.84%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.56%, and the return on assets is 1.52%.
Yes. Texas Republic Bank NA is FDIC-insured (Certificate #3400). 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 B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Texas Republic Bank NA's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.