Austin Bank, Texas National Association

200 East Commerce Street
Jacksonville, TX 75766

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 3276
Date Established 1900
Assets $1.69 billion
Loans $1.28 billion
Deposits $1.44 billion
Capital $0.22 billion

Austin Bank, Texas National Association is an FDIC insured institution located in Jacksonville, TX. It was founded in 1900 and has approximately $1.69 billion in assets. Customers can open an account at one of its 33 branches.

For a more detailed analysis of Austin Bank, Texas National Association's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Austin Bank, Texas National Association’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks, Austin Bank, Texas National Association’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 33.08
Multifamily
Mortgages
1.06
Credit Card Loans 0.00
Consumer Auto Loans 2.60
Small Business Loans 14.60
Construction and Development Loans 8.17
Commercial Real Estate 32.50
Commercial and Industrial Loans 11.36
Farm Loans 2.79

Deposit Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
03MCD10K
0.30% $1,000 $99,999 Learn MoreShow Less
3 Mo CD 100K
0.30% $100,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.80% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K
0.75% $1 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 10K
0.10% $2,500 $19,999 Learn MoreShow Less
MM 25K
0.12% $20,000 $49,999 Learn MoreShow Less
PREMM Rates APY MIN MAX
Premium MM 10K
0.10% $2,500 $24,999 Learn MoreShow Less
Premium MM 25K
0.12% $25,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.07% $100 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.

Branches

Austin Bank, Texas National Association branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Austin Bank, Texas National Association Locations

Financial Details

Austin Bank, Texas National Association Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Austin Bank, Texas National Association. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Austin Bank, Texas National Association U.S. Bank Average
8.44% 8.32%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2017, Austin Bank, Texas National Association had $19,199,000 in non-current loans and $710,000 in owned real estate. To cover these potential losses it had $222,650,000 in equity and $13,193,000 in loans loss reserves. That gives it a Texas Ratio of 8.44%.

Return on Equity
Austin Bank, Texas National Association U.S. Bank Average
8.76% 8.84%

Austin Bank, Texas National Association has a Return on Equity of 8.76% versus the BestCashCow average of 8.84%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Austin Bank, Texas National Association U.S. Bank Average
13.16% 12.21%

Austin Bank, Texas National Association has a Capitalization of 13.16% versus the BestCashCow average of 12.21. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Austin Bank, Texas National Association Balance Sheet Analysis

As of December 31, 2017, Austin Bank, Texas National Association had assets of $1,692,382,000, loans of $1,281,176,000, and deposits of $1,437,586,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

ASSETS
Cash & Balances due from depository institutions $0.09 billion
Interest-bearing balances $0.05 billion
Total securities $0.23 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $1.28 billion
Loan loss allowance $0.01 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.01 billion
All other assets $0.05 billion
     Total Assets $1.47 billion
LIABILITIES
Total deposits $1.44 billion
      Interest-bearing deposits $0.91 billion
      Deposits held in domestic offices $1.44 billion
      % insured (estimated) 76.78%
Federal funds purchased and repurchase agreements $0.01 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.02 billion
      Total Liabilities $1.47 billion
      Shareholders’ Equity $0.22 billion

Summary Income Statement

INCOME AND EXPENSES
Total Interest Income $0.07 billion
Total Interest Expense $0.00 billion
Net interest income $0.07 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.02 billion
Total non interest expense $0.05 billion
Pre-tax Net Operating Income $0.03 billion

Frequently Asked Questions About Austin Bank, Texas National Association

Branches and Savings

Is Austin Bank, Texas National Association FDIC insured?

Yes. It is covered under FDIC Certificate #3276.

Why does Austin Bank, Texas National Association pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Austin Bank, Texas National Association CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Austin Bank, Texas National Association a commercial bank?

Yes

Where are Austin Bank, Texas National Association locations?

See branch locations nearby.

Is Austin Bank, Texas National Association open on Saturdays?

Is Austin Bank, Texas National Association open on Sundays?

What time does Austin Bank, Texas National Association open?

What time does Austin Bank, Texas National Association close?

Are Austin Bank, Texas National Association ATMs Open 24/7?

Do Austin Bank, Texas National Association ATMs accept cash deposits?

Can Austin Bank, Texas National Association customers use other ATMs?

Do Austin Bank, Texas National Association branches have notaries?

Will Austin Bank, Texas National Association notarize my document?

What address for Austin Bank, Texas National Association should I put for incoming ACH transfers?

Will the Austin Bank, Texas National Association branch print checks?

Do Austin Bank, Texas National Association checks expire?

Does Austin Bank, Texas National Association require US citizenship to open account?

Can Austin Bank, Texas National Association close my account?

Does Austin Bank, Texas National Association Report to credit bureaus?

Does Austin Bank, Texas National Association Use Equifax?

What is Austin Bank, Texas National Association's ACH Routing Number?

What is Austin Bank, Texas National Association's SWIFT code?

Products

Does Austin Bank, Texas National Association offer mortgages?

Compare mortgage rates here.

Does Austin Bank, Texas National Association offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Austin Bank, Texas National Association offer personal loans?

Compare personal loan rates here.

Does Austin Bank, Texas National Association offer student loans?

Will Austin Bank, Texas National Association cash a check?

Will Austin Bank, Texas National Association redeem a savings bond?

Does Austin Bank, Texas National Association cash savings bonds?

Will Austin Bank, Texas National Association cash money orders?

Can Austin Bank, Texas National Association issue a money order?

Does Austin Bank, Texas National Association do currency exchange?

Background on The Bank

Who owns Austin Bank, Texas National Association?

How long has Austin Bank, Texas National Association been around?

Can Austin Bank, Texas National Association transfer to other banks?

Does Austin Bank, Texas National Association have quick pay?

Does Austin Bank, Texas National Association accept rolled coins?

Will Austin Bank, Texas National Association accept loose change?

Where is Austin Bank, Texas National Association headquarters?

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