Texas National Bank

What Texas National Bank does

Texas National Bank is a privately held, FDIC-insured community bank operating under holding company TNB Bancshares, Inc., with origins dating to 1920 (as First National Bank of Mercedes, later Mercedes National Bank, rebranded to Texas National Bank). It serves individuals and small-to-medium businesses across South Texas's Rio Grande Valley through 12 branches spanning Hidalgo, Cameron, Starr, and Zapata Counties — a footprint it is actively extending through the announced acquisitions of Citizens State Bank (Aug 2025, Starr County) and Zapata National Bank (Apr 2026, Zapata County), bringing combined assets to approximately $1.3 billion across 13 branches. The bank is led by Chairman/CEO Saul Ortega and President Joe Quiroga, and holds a Bauer Financial 5-Star rating reflecting substantial capital and high asset quality.

The bank's product portfolio is a full-service community banking stack: deposit products (personal/business checking, savings, teen checking, Rico's Savings Club, safe deposit boxes), lending products (personal loans for auto/RV/boat/home improvement/debt consolidation, home mortgages, commercial loans, and CashPlease small-dollar loans up to $1,500 at 17.75% APR max with no credit check), and consumer credit cards (Consumer Value Card and Everything Rewards Card). Underlying delivery is a multi-channel digital platform comprising a web-based online banking portal, the TNB Mobile App, TNB Business Mobile App, and TNB Mortgage App, integrated with Zelle P2P payments, Apple/Samsung/Google Pay mobile wallet, mobile deposit (daily limit $2,500), card controls/alerts, bill pay, treasury management (wires, ACH), Card Manager (cardmanager.net), and International Services for foreign exchange. Marketing channels include the Banking Friendly Podcast, the TNB Blog, the Our Money Matters financial-education platform, social media, community events/sponsorships, and the TNB Gives Back corporate citizenship program (105,234 community-service hours, 415 organizations assisted, $669,205 in donations and grants).

The revenue model is the standard community-bank model: net interest income from loan products (mortgages, commercial, consumer, small-dollar) at variable APRs anchored to Prime, supplemented by deposit-account fees, credit card annual fees ($35–$45), wire/ACH fees, interchange, and treasury-management service fees. Online and mobile banking access is offered to customers at no monthly fee, with bill pay also free; the bank reserves the right to charge mobile deposit fees in the future. Pricing on credit cards is competitive at Prime + 6.99% (Value Card) and Prime + 11.99% (Rewards Card), capped at 21.00% APR. Go-to-market is community-led: physical branches in South Texas counties supported by local decision-making, long-tenured relationship managers, and an outsized community-investment footprint targeting individual consumers and SMBs in geographies underserved by national banks.

Name

Texas National Bank

Legal name

Texas National Bank

Website

https://texasnational.com

Company type

Private

Founded year

1920

Operating status

Operating

Headcount range

51–100 employees

Short description

Texas National Bank is a privately held community bank founded in 1920, serving individuals and small-to-medium businesses across the Rio Grande Valley with 12 branches, a full-service digital banking platform, and approximately $1.3 billion in combined assets following pending acquisitions.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industry

Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI)

Keywords

• Community banking services
• Personal banking products
• Commercial lending services
• Mortgage lending solutions
• Treasury management services

Headquarters

HQ city

Edinburg

HQ country

United States

HQ region

North America

Offices12 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Interest Income from Loans: Primary revenue stream from interest charged on personal loans, auto loans, RV loans, boat loans, home improvement loans, debt consolidation loans, commercial loans, and mortgages. Rates vary by product with APRs such as Prime + 6.99% to 11.99% for credit cards.
2. Deposit Account Fees: Fees from checking and savings accounts including potential overdraft fees, ATM fees, and wire transfer fees
3. Online Banking Services: Online banking is free for customers; bill pay service available with no monthly fees as stated
4. Credit Card Fees: Annual fees on credit cards ranging from $35-$45, plus interest charges on balances and transaction fees
5. Treasury Management Services: Business banking services including wire transfers, ACH transactions, and cash management solutions

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

Core offering

Texas National Bank is a community bank founded in 1920 that provides personal and business banking products and services across the Rio Grande Valley through 12 physical branches and digital channels. Its offerings include checking and savings accounts, personal and commercial loans, mortgages, credit cards, treasury management, and small-dollar lending (CashPlease). The bank serves consumers, small and mid-market businesses, and homebuyers across Hidalgo, Cameron, Starr, and Zapata Counties in South Texas.

Product overview

Texas National Bank is a full-service community bank serving the Rio Grande Valley with a unified banking platform offering personal and business banking products across multiple delivery channels including 12 branch locations, online banking, and mobile applications. The core product portfolio includes deposit accounts (checking, savings, teen accounts), lending products (personal loans, mortgages, credit cards, commercial loans), and digital banking services. Key products include the TNB Mobile App and TNB Business Mobile App for mobile banking access, CashPlease for quick small-dollar loans, the TNB Mortgage App for mortgage services, and the Banking Friendly Podcast for financial education. Business services encompass Treasury Management for cash management and International Services for foreign exchange. The bank operates as a multi-channel platform with physical branches supported by digital services including online banking, mobile deposit, Zelle P2P payments, and card management tools.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking Primary personal checking account for daily transaction management, debit card access, and integration with online and mobile banking platforms.
• Personal Savings & Investments Savings account products and investment options for personal customers to grow savings with competitive rates.
• Texas Teen Checking Checking account designed specifically for teenage customers, providing foundational banking experience with parental oversight features.
• Rico's Savings Club Savings club account featuring the bank's mascot Rico the Roadrunner, targeting youth and family savings goals.
• Personal Loans Flexible personal loan products including secured and unsecured options for auto financing, RV loans, boat loans, home improvement, debt consolidation, and general personal needs.
• Home Mortgages Residential mortgage lending including purchase loans, refinancing options, and home equity products through the Mortgage Friendly platform.
• CashPlease Quick, affordable small-dollar loan program offering up to $1,500 with competitive rates (17.75% APR max), no credit check requirement, and funds available within approximately 24 hours for existing TNB customers meeting eligibility criteria.
• Consumer Credit Cards Credit card products including Consumer Value Card (low rate, no annual fee) and Everything Rewards card (earning points on spending) with mobile payment integration and card management tools.
• Business Checking Commercial checking accounts with features for business transactions, cash management, and integration with treasury management services.
• Business Savings & Investments Business savings and investment account options for commercial customers.
• Commercial Loans Business lending products including commercial real estate loans, working capital loans, and other commercial financing options.
• Business Credit Card Credit card solutions designed for business spending with expense management features.
• Treasury Management Cash management and treasury services for business customers including wire transfers, ACH transactions, and advanced servicing solutions.
• Online Banking Web-based banking platform providing account access, balance viewing, transaction history, fund transfers, bill pay, and account management services accessible 24/7.
• TNB Mobile App Primary mobile banking application enabling customers to manage finances, access accounts, transfer funds, deposit checks via mobile deposit, and receive alerts on iOS and Android devices.
• TNB Business Mobile App Mobile banking application for business customers to manage business accounts, conduct transactions, and access treasury management services via smartphone.
• TNB Mortgage App Dedicated mobile application for mortgage applications, management, and tracking through the Mortgage Friendly platform.
• International Services Foreign exchange solutions and international banking services for customers with global financial needs.
• Safe Deposit Boxes Secure storage service for valuable documents and items available at bank branch locations.

Quantifiable outcome

• Surpassed $1 billion in total assets milestone
• +2 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature9 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• Zapata National BankcoreStrategic or Co-development Partner · 13 April 2026Texas National Bank (through TNB Bancshares, Inc.) announced definitive agreement to acquire Zapata Bancshares, Inc. and its bank subsidiary Zapata National Bank. Zapata National Bank is a full-service bank in Zapata, Texas with more than $85 million in total assets. Transaction expected to close June 30, 2026, pending regulatory approvals. Combined company will have approximately $1.3 billion in assets with 13 branches.
• Hunton Andrews Kurth LLPminorImplementation/ SI/ Consulting Partner · 13 April 2026Served as legal counsel to Texas National Bank in the acquisition of Zapata National Bank
• Kemp Smith LLPminorImplementation/ SI/ Consulting Partner · 13 April 2026Served as legal counsel to Zapata National Bank in the acquisition
• Citizens State BankcoreStrategic or Co-development Partner · 1 August 2025Texas National Bank (through TNB Bancshares, Inc.) announced definitive agreement to acquire Citizens State Bank, Roma, Texas. Citizens State Bank has locations in Roma and Rio Grande City with more than $78 million in total assets. Transaction aligns with Texas National Bank's expansion into Starr County. Combined company will have approximately $1.1 billion in assets with 12 branches.
• Larry TempleminorImplementation/ SI/ Consulting Partner · 1 August 2025Served as legal counsel to Citizens State Bank in the acquisition
• MNB VenturesminorOthersAffiliated financial company as disclosed in privacy policy
• Del Valle Community Development CorporationminorOthersAffiliated community development organization as disclosed in privacy policy
• TNB FoundationminorOthersAffiliated foundation as disclosed in privacy policy and community involvement pages
• Joint Marketing PartnersminorGTM or Marketing PartnerFinancial services companies, credit card companies, and identity theft protection services that provide marketing services on behalf of Texas National Bank

Scale indicators11 records

Recent moves10 records

Expansion highlights5 records

Regional players

• Third Coast Bank: Third Coast Bank is a Texas community bank with branches in the Houston, Austin, and Central Texas markets offering consumer and commercial banking products — comparable size and community-bank model to TNB though serving different Texas geographies.
• Vantage Bank Texas: Vantage Bank Texas is a Texas community bank with locations in San Antonio, Dallas, and other Texas markets offering consumer and commercial banking products — comparable business model to TNB but operating in Central and North Texas rather than the Rio Grande Valley.
• Happy Bancshares: Happy Bancshares is a Texas community banking holding company headquartered in Amarillo offering consumer, commercial, and mortgage lending with strong community banking positioning — comparable community-bank model and acquisition-driven growth strategy to TNB but operating in the Texas Panhandle and South Plains.
• FirstBank (Texas): FirstBank is a Texas community bank operating across multiple Texas markets offering deposit, lending, and digital banking services to consumers and small businesses — comparable community-bank business model to TNB though serving broader and partially different Texas geographies.

Direct peers

• Lone Star National Bank: Lone Star National Bank is a community bank headquartered in Edinburg, Texas — the same city as Texas National Bank — operating across the Rio Grande Valley with comparable deposit, lending, and digital banking products serving overlapping consumer and SMB segments.
• IBC Bank: IBC Bank is a Texas-based community banking franchise with deep South Texas and border-region presence offering consumer, commercial, treasury, and international banking services — directly competing with TNB in the Rio Grande Valley and along the U.S.–Mexico corridor.
• Bank of South Texas: Bank of South Texas is a community bank based in McAllen, Texas offering deposit accounts, lending, treasury, and digital banking services to consumers and businesses in the same Hidalgo County market served by Texas National Bank.
• Falcon International Bank: Falcon International Bank is a Texas border-region community bank with branches across the Rio Grande Valley and Laredo, offering consumer and commercial banking products with strong cross-border and remittance exposure similar to TNB.

Broad incumbents

• PlainsCapital Bank: PlainsCapital Bank is a Texas-wide commercial and retail banking franchise offering deposit, lending, treasury, and wealth services across major Texas metros including Dallas, Houston, Austin, and San Antonio — overlapping TNB's commercial banking products but at materially larger scale and broader geography.
• Frost Bank: Frost Bank is a large Texas regional bank headquartered in San Antonio with statewide branch coverage, full consumer and commercial product suites, and strong digital banking — a broader incumbent competing with TNB for commercial and high-net-worth relationships across Texas.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/TNB1920
• Facebookfacebook.com/TexasNationalBank
• LinkedInlinkedin.com/company/texasnationalbank

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Texas National Bank