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Titan Bank, N.A.
Mineral Wells, TX · National bank · Part of BMC Bancshares Inc
- Total assets
- $896.1M
- Q2 2026
- Deposits
- $771.5M
- Net income
- $47.64M
- first half of 2026
- Return on assets
- 10.97%
- Annualized
Bank details
As reported to the FDIC
- FDIC certificate
- 3225
- Main office
- Mineral Wells, TX
- Holding company
- BMC Bancshares Inc
- Charter
- National bank
- Primary federal regulator
- Office of the Comptroller of the Currency (OCC)
- Established
- 01/01/1907
- FDIC insured since
- 01/01/1934
- U.S. offices
- 2
- Employees (full-time equivalent)
- 39
- Specialty
- All Other Under 1 Billion
- Website
- www.titanbank.com
Quarterly financials
From the bank's Call Reports. Income figures are year to date; ratios are annualized.
| Quarter | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $896.1M | $890.7M | $819.9M | $843.5M | $639.5M | $704.6M | $480.6M | $671.7M |
| Deposits | $771.5M | $783.7M | $640.7M | $658.6M | $568.2M | $640.3M | $419M | $615.1M |
| Net loans and leases | $414.6M | $430.7M | $443.5M | $389.8M | $334.3M | $303.8M | $309.9M | $293.1M |
| Securities | $115.9M | $121.4M | $131.2M | $118.2M | $114M | $106M | $103.2M | $94.17M |
| Equity capital | $113.3M | $100.7M | $78.96M | $179.7M | $65.81M | $61.94M | $59.98M | $55.33M |
| Net income (year to date) | $47.64M | $26.81M | $152.1M | $126.7M | $11.15M | $4.81M | $22.09M | $16.05M |
| Return on assets | 10.97% | 12.54% | 21.80% | 25.32% | 3.67% | 3.25% | 3.94% | 3.69% |
| Return on equity | 97.55% | 119.38% | 170.34% | 183.89% | 35.62% | 31.55% | 41.57% | 41.61% |
| Net interest margin | 5.49% | 4.65% | 4.86% | 4.96% | 5.12% | 4.99% | 5.14% | 4.88% |
| Efficiency ratio | 11.8% | 12.4% | 7.5% | 6.5% | 33.1% | 36.1% | 30.2% | 29.6% |
| Noncurrent loans | 0.55% | 0.43% | 0.37% | 0.30% | 0.52% | 0.28% | 0.45% | 0.16% |
| Net charge-off rate | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.04% | 0.01% |
| Leverage (core capital) ratio | 9.16% | 11.67% | 9.64% | 21.04% | 9.32% | 9.92% | 9.72% | 10.74% |
| Total risk-based capital ratio | 35.31% | 30.26% | 19.79% | 56.72% | 24.20% | 25.86% | 25.06% | 24.36% |
Assets grew 40.1% from Q2 2025.
Loan mix
Share of gross loans, Q2 2026
- Real estate loans$410.6M99.0%
- Commercial and industrial loans$4.04M1.0%
- Consumer loans$00.0%
Find bank branches in Texas · Employees: 39
Frequently asked questions
- What is Titan Bank, N.A.'s FDIC certificate number?
- Titan Bank, N.A.'s FDIC certificate number is 3225.
- How big is Titan Bank, N.A.?
- Titan Bank, N.A. reported total assets of $896.1M and deposits of $771.5M as of Q2 2026.
- Is Titan Bank, N.A. FDIC insured?
- Yes. Titan Bank, N.A. has been insured by the FDIC since 01/01/1934. Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
Source: Federal Deposit Insurance Corporation, BankFind Suite (Call Report data) · Last updated 06/30/2026