🏦Bank Scorer

AUSTIN BANK, TEXAS NATIONAL ASSOCIATION

JACKSONVILLE, TX · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1900FDIC #3,276
Outstanding Up

Current rating · Exam: April 2023

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 2.04%

How this bank compares in TX

Mortgage Denial Rate

Lower denial rate than 9.1% of TX banks

Institution Profile

FDIC BankFind

Address

200 E Commerce St, JACKSONVILLE, TX

County

Cherokee County

Established

October 1, 1900

Total Assets

$3.3B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

April 17, 2023

Exam Type

Large Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Apr 2027(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$3.3B

Total Deposits

$2.7B

Net Loans

$2.5B

Net Income

$17M

ROA

2.04%

ROE

13.64%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate17.81%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

38

Branch Deposits

$2.7B

1-Year Change

+2

5-year net change: +4 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202497765.3%17.81%
20231,17966.92%17.64%
20221,33170.1%14.95%
20211,55965.36%20.21%
20201,43265.01%21.23%
20191,04068.17%19.23%
20181,00668.09%20.58%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

10 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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