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Q2 2026 · 4,313 institutions · refreshed 8/27/2026

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OptimaYield board tearsheet · reported facts

AUSTIN BANK TEXAS NA

FDIC #3276 · TX · period 20260630

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Total assets1,575,862-2.63% YoY

Total deposits1,343,077-2.21% YoY

Net loans and leases1,165,357-4.70% YoY

Return on assets1.12%-11.68% YoY

Return on equity9.00%-6.74% YoY

Net interest margin4.25%-0.36% YoY

Peer position

Return on assets90thstrength · n=902

Return on equity65thin line · n=894

Net interest margin96thstrength · n=902

Equity to assets94thstrength · n=894

Noncurrent loans44thin line · n=887

Liquid assets55thin line · n=895

Brokered deposits100thstrength · n=890

Loans to deposits48thin line · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	1,575,862	1,343,077	1,165,357	1.12	9.00	4.25
2016-06-30	1,552,168	1,318,982	1,190,596	1.11	8.82	4.31
2016-09-30	1,576,241	1,330,636	1,200,843	1.13	8.84	4.33
2016-12-31	1,587,816	1,344,483	1,213,904	1.15	9.00	4.32
2017-03-31	1,618,416	1,373,401	1,222,840	1.27	9.65	4.26
2017-06-30	1,656,328	1,408,326	1,254,809	1.26	9.59	4.29
2017-09-30	1,685,936	1,427,358	1,261,005	1.29	9.79	4.31
2017-12-31	1,692,382	1,437,586	1,281,176	1.15	8.76	4.33
2018-03-31	1,741,355	1,469,064	1,284,341	1.67	12.70	4.42
2018-06-30	1,749,721	1,469,775	1,310,115	1.62	12.30	4.45
2018-09-30	1,766,489	1,476,209	1,340,171	1.61	12.13	4.50
2018-12-31	1,792,114	1,494,469	1,334,836	1.65	12.30	4.52
2019-03-31	1,836,385	1,532,995	1,349,967	1.63	11.78	4.54
2019-06-30	1,820,158	1,503,385	1,353,372	1.66	11.90	4.60
2019-09-30	1,842,784	1,516,094	1,367,639	1.67	11.79	4.63
2019-12-31	1,859,995	1,528,405	1,378,150	1.69	11.87	4.64
2020-03-31	1,903,073	1,561,692	1,405,058	1.39	9.35	4.54
2020-06-30	2,190,341	1,785,133	1,558,719	1.41	9.95	4.53
2020-09-30	2,178,959	1,821,196	1,588,369	1.37	9.74	4.39
2020-12-31	2,178,884	1,824,505	1,562,332	1.43	10.23	4.36
2021-03-31	2,409,957	2,038,345	1,574,998	1.46	11.03	4.04
2021-06-30	2,479,207	2,100,385	1,593,009	1.53	11.70	3.94
2021-09-30	2,545,813	2,155,067	1,603,240	1.49	11.47	3.87
2021-12-31	2,597,738	2,206,641	1,624,108	1.46	11.33	3.78
2022-03-31	2,721,153	2,320,239	1,632,993	1.23	9.95	3.29
2022-06-30	2,749,941	2,357,313	1,695,780	1.22	10.08	3.39
2022-09-30	2,781,683	2,379,607	1,821,378	1.26	10.47	3.50
2022-12-31	2,728,475	2,316,107	1,918,305	1.36	11.27	3.64
2023-03-31	2,752,723	2,321,805	1,992,232	1.40	11.33	3.96
2023-06-30	2,735,138	2,250,225	2,078,284	1.41	11.27	4.03
2023-09-30	2,815,935	2,303,395	2,145,667	1.42	11.26	4.05
2023-12-31	2,763,964	2,302,804	2,204,833	1.50	11.71	4.13
2024-03-31	2,857,664	2,390,745	2,225,417	1.53	11.24	4.28
2024-06-30	2,829,444	2,377,809	2,262,211	1.55	11.35	4.37
2024-09-30	2,918,667	2,460,059	2,290,946	1.57	11.38	4.41
2024-12-31	2,923,289	2,476,958	2,327,883	1.64	11.79	4.50
2025-03-31	3,119,259	2,646,230	2,413,579	1.55	11.00	4.66
2025-06-30	3,127,230	2,654,024	2,448,351	1.71	12.10	4.84
2025-09-30	3,214,402	2,720,553	2,476,890	1.82	12.78	4.91
2025-12-31	3,218,653	2,707,570	2,494,377	1.92	13.39	4.98
2026-03-31	3,267,608	2,744,495	2,468,308	2.04	13.64	5.10
2026-06-30	3,331,259	2,798,244	2,462,815	2.08	13.87	5.25

Structure and branch footprint

39 current branch locations across 1 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2025-02-15	1	675051	548351
2010-10-09	1	429759	548351
2008-02-16	1	931654	548351
2004-11-06	1	179559	548351
1999-05-10	1	296661	548351
1999-04-12	1	1009550	548351
1999-04-12	1	95958	548351
1999-03-15	1	667962	548351
1989-08-25	50	358868	548351

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.