Titan Bank, N.A.: how it compares with its peers
Against 112 TX banks with half to twice its assets, Titan Bank, N.A.'s strongest measure in Q2 2026 is return on assets (10.97% vs. a 1.44% peer median). Its weakest relative measure is net interest margin (5.49% vs. 4.17%).
| Measure | Titan Bank, N.A. | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 10.97% | 1.44% | Top third Ahead of 100% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.49% | 4.17% | Top third Ahead of 97% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 11.82% | 60.06% | Top third Ahead of 100% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $23.0M | $8.1M | Top third Ahead of 100% of peers |
| Loans to deposits Net loans and leases over total deposits. | 53.74% | 77.64% | Context |
What it means for lending operations
Its efficiency ratio of 11.82% is better than the 60.06% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The First State Bank Louise, TX · $895M
- First Liberty Bank Liberty, TX · $873M
- NewFirst National Bank El Campo, TX · $935M
- Texas Heritage National Bank Daingerfield, TX · $936M
- Harmony Bank Dallas, TX · $855M
- Texas National Bank of Jacksonville Jacksonville, TX · $852M
Questions about Titan Bank, N.A.
How big is Titan Bank, N.A.?
Titan Bank, N.A., established in 1907, is headquartered in Mineral Wells, TX. It reported $896M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Titan Bank, N.A.'s return on assets?
10.97% annualized in Q2 2026, against a 1.44% median for 112 TX banks with half to twice its assets, ahead of 100% of them.
What is Titan Bank, N.A.'s efficiency ratio?
11.82% in Q2 2026: it spent about 12 cents in noninterest expense for each dollar of revenue. The peer median is 60.06%, and lower is better.
Is Titan Bank, N.A. growing its loans?
Net loans grew 24.0% over the year to Q2 2026, while deposits grew 35.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.