At a glance
From its website, read 2 Nov 2026TNB Bancshares, Inc. is a bank holding company based in Mercedes, Texas. Its website describes auto loans, commercial real estate loans, equipment loans and 4 other loan types. Where it lends: Rio Grande Valley. The consumer loan APR it states is 17.99%.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Toll-free | (855) 862-1920 source |
|---|---|
| Website | www.texasnational.com |
| Office (official list) | 201 S. Texas Ave., Mercedes, TX 78570 |
What their website says about applying
Apply online or contact us today to find out more about our consumer credit cards and get started!
sourceDownload Application
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Loans (general) | Rate: 17.99% APR | Take Advantage of a low 17.99% APR | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank holding company |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 13 Jul 2026 |
| RSSD ID | 3305434 |
| Address | 201 S. Texas Ave., Mercedes, TX 78570 Directions (Google Maps) |
| Website | www.texasnational.com |
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
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Loan pages are brief and state no loan amounts or online loan application; the bank's business loan page offers only a 'Download Application' link. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | TNB Auto Loan. | source |
| Commercial real estate loans | — | Commercial Real Estate Loans | source |
| Equipment loans | — | Commercial Equipment Loans | source |
| Home repair / improvement loans | — | TNB Home Improvement Loan. | source |
| Home mortgages | — | TNB Mortgage. | source |
| Personal / consumer loans | — | Texas National Bank offers both secured and unsecured personal loans for a variety of needs. | source |
| Small-business loans | — | Small Business and Business Aquisition Loans | source |
Loan sizes
No amounts stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Pages read (7)
- https://www.texasnational.com/
- https://www.texasnational.com/personal/loans
- https://www.texasnational.com/personal/checking
- https://www.texasnational.com/business/commercial-loans
- https://www.texasnational.com/personal/our-money-matters
- https://www.texasnational.com/personal/consumer-credit-card
- https://www.texasnational.com/business/business-credit-card
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - How long can I take to repay?
No repayment terms are stated on their website. - Do you offer down-payment help, and is a homebuyer education course required?
CDFI home loans often come with homebuyer education or down-payment help; their website does not say. - Can I apply online, or do I need to call or visit?
We found no online application on their website. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
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$7 million in 7 awards from the U.S. Treasury's CDFI Fund, 2018–2024 (CDFI Program, Financial Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $1,285,000 |
| 2022 | CDFI Program, Financial Assistance | $717,900 |
| 2021 | CDFI Program, Financial Assistance | $701,530 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2020 | CDFI Program, Financial Assistance | $794,500 |
| 2019 | CDFI Program, Financial Assistance | $714,000 |
| 2018 | CDFI Program, Financial Assistance | $950,000 |
Emergency Capital Investment Program (ECIP)
Treasury invested $108.8 million in this institution under ECIP, by buying preferred stock or subordinated debt (an investment, not a grant; it is not counted in the award total). ECIP type on the list: CDFI & MDI. Treasury notes: Previously named MNB Ventures Inc. Source: U.S. Treasury ECIP participant list (last updated Mar 2025), downloaded 3 Nov 2026.
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 2026Subsidiary bank on file with the FDIC: Texas National Bank (FDIC cert 3337, total assets $1.2 billion). 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 2026A bank holding company files no Call Report of its own. These figures are from its subsidiary bank, Texas National Bank (RSSD 497954, FDIC cert 3337), the only active bank the FDIC lists under this holding company. 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 by its bank (2025)
FFIEC HMDA data, 2025The HMDA reporter panel lists TNB Bancshares, Inc. as the parent or top holder of this filer, which is also a certified CDFI with its own page:
- Texas National Bank: 119 originated home loans
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. |
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 |
“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).
Other certified CDFIs in Mercedes 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
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