Titan Bank N.A.
Mineral Wells, TX·RSSD 328357·FDIC 3225·bank:328357·Risk-based ratios where reported
- #103 of 352Total assets in Texas
- 2offices
- 39employees
- #7 of 3,695Efficiency in the U.S.
- #1 of 310Return on assets in Texas
- Top 1%Margin improvement in the U.S.
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Titan Bank N.A.
9 of 23 FORFI signals stand out against 1437 similar banks, based on FDIC data for the quarter.
Return on assets rising faster than peersStrength: Earnings 2nd quarter9.35%peers 1.32%+804 bps
Titan Bank N.A.'s annualized return on assets rose 557 bps over the past year to 9.35%. Among 1433 similar banks, the median rose 14 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized return on assets | ||
| 9.35% | 1.32% | +804 bps |
| 12-month change | ||
| +557 bps | +14 bps | +543 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Titan Bank N.A. itself is left out of every peer median and percentile. How signals work
Noninterest-bearing deposit share rising while the peer median fallsStrength: Funding 2nd quarter59.6%peers 20.5%+39.0 pp
Titan Bank N.A.'s share of deposits that pay no interest rose 9.8 percentage points over the past year to 59.6%. Among 1432 similar banks, the median fell 0.1 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Share of deposits that pay no interest | ||
| 59.6% | 20.5% | +39.0 pp |
| 12-month change | ||
| +9.8 pp | -0.1 pp | +9.9 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Titan Bank N.A. itself is left out of every peer median and percentile. How signals work
Efficiency ratio falling faster than peersStrength: Efficiency 2nd quarter11.2%peers 60.8%-49.6 pp
Titan Bank N.A.'s efficiency ratio fell 19.6 percentage points over the past year to 11.2%. Among 1432 similar banks, the median fell 2.1 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 11.2% | 60.8% | -49.6 pp |
| 12-month change | ||
| -19.6 pp | -2.1 pp | -17.5 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Titan Bank N.A. itself is left out of every peer median and percentile. How signals work
Total assets growing faster than peersStrength: Growth 2nd quarter+40.1%peers +4.7%+35.5 pp
Titan Bank N.A.'s total assets grew 40.1% over the past year to $896 million. The median among 1437 similar banks was +4.7%.
| This institution | Peer median | Difference |
|---|---|---|
| Total assets, 12-month growth | ||
| +40.1% | +4.7% | +35.5 pp |
| Total assets | ||
| $896 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Titan Bank N.A. itself is left out of every peer median and percentile. How signals work
Loans growing faster than peersStrength: Lending 2nd quarter+24.1%peers +5.5%+18.6 pp
Titan Bank N.A.'s loans grew 24.1% over the past year to $420 million. The median among 1431 similar banks was +5.5%.
| This institution | Peer median | Difference |
|---|---|---|
| Loans, 12-month growth | ||
| +24.1% | +5.5% | +18.6 pp |
| Loans | ||
| $420 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Titan Bank N.A. itself is left out of every peer median and percentile. How signals work
4 more observations
- Net interest margin widening faster than peersEarnings
- Deposit costs falling faster than peersFunding
- Fee and other noninterest income among the highest of similar banksEarnings
- Deposits growing faster than peersFunding
Key facts
- Titan Bank N.A. is a bank headquartered in Mineral Wells, Texas. It reported $896 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $772 million, up 35.8% from a year earlier, and loans totaled $420 million, up 24.1%.
- Its net interest margin was 6.24% and its annualized return on assets was 9.35% for the quarter.
- Its cost of all deposits was 1.12%, compared with a median of 1.80% among 1432 similar banks with $300 million to $1 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Titan Bank N.A.'s own data, FORFI would look at: Which relationships and products drive the change in earnings, and where pricing has drifted.
Analysis workspaces
Sources and identifiers
- Institution
- Titan Bank N.A. · Bank
- Federal Reserve RSSD
- 328357
- FDIC certificate
- 3225
- Reporting period
- Peer group
- 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Titan Bank N.A. itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $20.83M | — | |
| $15.68M | — | |
| $2.21M | — | |
| $13.47M | — | |
| $14.38M | — | |
| $3.12M | — | |
| -$272K | — | |
| -$328K | — | |
| 9.35% | 9.33%ROAQ · Quarter | |
| 6.24% | 6.22%NIMYQ · Quarter | |
| 11.19% | 11.19%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.