Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 13 Jul 2026 |
| RSSD ID | 497954 |
| Address | P.O. Box 4650, Edinburg, TX 78540 Directions to the main office (Google Maps) |
| Website | Not given on the official list (listed as “Non given”) |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Not yet verifiedWe have not yet read this lender's website, so we can't list its loan products, sizes or service area. That doesn't mean it lacks them. The official list gives no website for this lender; contact it at the address above.
Questions to ask when you contact them
We have no details from their website yet, so these are the basics to ask any lender. Something missing here does not mean they don't offer it: ask.
- What kinds of loans do you make, and which one fits what I need?
We have no loan details from their website. - Do you lend where I live, or where my business is?
- What are the smallest and the largest loans you make?
- What interest rate and fees should I expect? For a personal, car or home loan, ask for the APR.
- What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$9.2 million in 10 awards from the U.S. Treasury's CDFI Fund, 2017–2024 (4 programs).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Bank Enterprise Award Program | $280,369 |
| 2024 | Small Dollar Loan Program | $344,901 |
| 2023 | Bank Enterprise Award Program | $437,350 |
| 2022 | CDFI Equitable Recovery Program | $6,197,097 |
| 2022 | Small Dollar Loan Program | $193,025 |
| 2021 | Bank Enterprise Award Program | $170,699 |
| 2020 | Bank Enterprise Award Program | $202,898 |
| 2019 | Bank Enterprise Award Program | $245,547 |
| 2018 | Bank Enterprise Award Program | $233,244 |
| 2017 | CDFI Program, Financial Assistance | $916,905 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
FDIC, 30 Jun 2026On file with the FDIC as Texas National Bank (FDIC cert 3337). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $1.2 billion (as of 30 Jun 2026) |
|---|---|
| Offices | 14 (as of 30 Oct 2026) |
Offices by state and county (14)
Texas (14 offices)
- Cameron County (1): 1414 Ruben M Torres Blvd, Brownsville 78521
- Hidalgo County (10): 6901 N 10th St, Mcallen 78504 (main office); 4000 South Business Highway 281, Edinburg 78539; 720 E Edinburg, Elsa 78543; 1409 E Ridge Rd, Mcallen 78503; 6901 N 10th St, Mcallen 78504; 201 S. Texas Avenue, Mercedes 78570; 501 N Shary Rd, Mission 78572; 1905 West Expressway 83, Penitas 78576; 920 W. Interstate Highway 2, San Juan 78589; 621 S International Blvd, Weslaco 78596
- Starr County (2): 2801 W Us Highway 83, Rio Grande City 78582; 1709 N Grant St, Roma 78584
- Zapata County (1): 703 Hidalgo Blvd, Zapata 78076
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026Figures from the Call Report filed by Texas National Bank (RSSD 497954, FDIC cert 3337). Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $757.6 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 13.0% from $670.7 million on 30 Jun 2025 |
| Total assets | $1.22 billion (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $144.5 million | 19.1% |
| Home equity lines of credit | $5 million | 0.7% |
| Commercial real estate, construction and multifamily | $437.1 million | 57.7% |
| Commercial and industrial (business) loans | $111.2 million | 14.7% |
| Farmland and farm production loans | $19.2 million | 2.5% |
| Consumer loans (credit cards, auto, other) | $12.1 million | 1.6% |
| All other loans and leases | $28.5 million | 3.8% |
Within consumer loans: auto loans $1.1 million.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 29 loans $1.5 million | 294 loans $8 million |
| $100,001 to $250,000 | 74 loans $9.9 million | 95 loans $10.6 million |
| $250,001 to $1 million | 128 loans $46.4 million | 80 loans $25.9 million |
| All small business loans | 231 loans $57.8 million | 469 loans $44.4 million |
Small farm loans (original amount $500,000 or less, balances on 30 Jun 2026)
| Original loan amount | Secured by farmland | Farm production |
|---|---|---|
| Up to $100,000 | 20 loans $699,000 | 12 loans $139,000 |
| $100,001 to $250,000 | 18 loans $2.1 million | none reported |
| $250,001 to $500,000 | 9 loans $2.3 million | 1 loan $292,000 |
| All small farm loans | 47 loans $5 million | 13 loans $431,000 |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025Texas National Bank reported 119 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $50.7M (median loan about $275,000). 71 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 71 | 60% |
| Refinance (incl. 10 cash-out) | 41 | 34% |
| Other purpose | 7 | 5.9% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 110 | 92% |
| FHA-insured | 9 | 7.6% |
Included above: 16 loans on multifamily (5+ unit) properties.
Where the loans were made
Counties with the most 2025 originations, out of 11 counties with at least one; 94% of its 2025 loans were for properties in Texas:
- Hidalgo County, TX (74)
- Cameron County, TX (31)
- Rutherford County, TN (4)
- Starr County, TX (3)
Filed under LEI 549300BG31WZXGJRH472 as “Texas National Bank”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $1.22 billion | Larger than 75% of the 12 other certified banks and bank holding companies in Texas (median $301.2 million). |
| Loans as a share of assets | 62% | Median of the same 12 banks and bank holding companies: 59%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $670.7 million → $757.6 million (+13%) | Median change of 12 other certified banks and bank holding companies in Texas: +6%. Rank by loans held among these 13: 3 → 3. |
| Home loans originated in 2025 (HMDA) | 119 | More than 50% of the 263 other certified CDFIs that reported 3 or more (120 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified banks and bank holding companies in Texas | 12 | larger than 75% |
| Loans held then vs now | certified banks and bank holding companies in Texas reporting both dates | 12 | rank 3 → 3 of 13 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 50% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
Other certified CDFIs in Edinburg and Texas
- Affordable Homes of South Texas, Inc.Loan fund · McAllen, TXHome repair / improvement loans, Home mortgagesVerified
- BORDERPLEX COMMUNITY CAPITAL, INCLoan fund · El Paso, TXCommercial real estate loans, Equipment loans, Microloans, Small-business loansVerified
- Border Federal Credit UnionCredit union · Del Rio, TXAuto / vehicle loans, Personal / consumer loansVerified
- Business Investment GrowthLoan fund · Austin, TXMicroloansVerified
- Business and Community Lenders (BCL) of TexasLoan fund · Austin, TXCommercial real estate loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- City Federal Credit UnionCredit union · Amarillo, TXAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
Work at Texas National Bank? Link to this page
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