🏦Bank Scorer

TEXAS NATIONAL BANK

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

Est. 1995FDIC #34,014
Outstanding Same

Current rating · Exam: January 2024

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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 0.35%

How this bank compares in TX

Mortgage Denial Rate

Lower denial rate than 54.5% of TX banks

Institution Profile

FDIC BankFind

Address

400 E Broadway St, SWEETWATER, TX

County

Nolan County

Established

May 8, 1995

Total Assets

$141M(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

January 8, 2024

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Jan 2029(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$141M

Total Deposits

$131M

Net Loans

$37M

Net Income

$122K

ROA

0.35%

ROE

4.88%

Risk-Based Capital

29.52%

Regulatory minimum: 8%

Peer Comparison

Small banks

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

Mortgage Denial Rate8.16%Peer avg: 7.63%▼ Below avg

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

Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$130M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202419670.41%8.16%
202317563.43%5.14%
202223161.04%6.06%
202124554.69%8.98%
202018638.17%13.44%
20197878.21%7.69%
20186758.21%20.90%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

7 previous ratings locked — dating back to 1994

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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