Question 1

What is TXN Bank?

Accepted Answer

TXN Bank is a community-focused state-chartered commercial bank serving Central and South Texas. With approximately $637 million in total assets and seven branches, the bank provides a full range of retail and commercial banking services to communities in the San Antonio-New Braunfels metropolitan area. As a member of the Federal Reserve System and a subsidiary of TXN Bancshares, Inc., TXN Bank combines over a century of Texas banking heritage with modern digital banking technology.

The bank operates as a locally owned, independent financial institution dedicated to fostering community growth throughout its service area.

Question 2

When was TXN Bank founded?

Accepted Answer

TXN Bank traces its origins to 1901 when Hondo National Bank began service with the chartering of First National Bank of Hondo. The bank was officially chartered under its original national bank charter in January 1934.

The modern TXN Bank was formed in February 2022 through the merger of two historic Texas community banks: Hondo National Bank (established 1901) and Community National Bank (established 1984). The consolidation brought together 156 years of combined Texas banking experience under the TXN Bank brand.

In August 2023, TXN Bank converted from a national banking association to a Texas state-chartered bank, transitioning its primary federal regulatory oversight to the Federal Reserve System. The bank has grown through strategic acquisitions, including Uvalde National Bank in 2013, expanding its footprint across Central and South Texas.

Question 3

Where is TXN Bank headquartered?

Accepted Answer

TXN Bank is headquartered at 103 19th Street in Hondo, Texas. The main office relocated to this address in January 2024.

Hondo is located in Medina County, approximately 40 miles west of San Antonio in South Central Texas.

Question 4

Where does TXN Bank operate?

Accepted Answer

TXN Bank operates seven branches across Central and South Texas, all within the San Antonio-New Braunfels metropolitan statistical area and surrounding rural communities. Branch locations include:
• Hondo (headquarters and main office in Medina County)
• Castroville (Medina County)
• La Coste (Medina County)
• Lytle (Atascosa County)
• Uvalde (Uvalde County)
• Bandera (Bandera County)
• Leakey (Real County)

The bank also operates Interactive Teller Machine (ITM) locations in D'Hanis and additional ITM sites in Hondo. All branches serve communities within a regional footprint extending from the Texas Hill Country through South Central Texas ranch and farming communities.

Question 5

What services does TXN Bank offer?

Accepted Answer

TXN Bank provides comprehensive banking services for individuals, families, and businesses:

Personal Banking: Personal checking and savings accounts, money market accounts, certificates of deposit (CDs), individual retirement accounts (IRAs), and consumer loans including home mortgages and automobile financing.

Commercial Banking: Business checking and savings accounts, commercial lending, real estate loans, small business financing, and treasury management services.

Digital Banking: TXN Mobile Banking app offering account management, mobile check deposit, bill pay, fund transfers, balance inquiries, and ATM/branch locators. The app is available free for iOS and Android devices with secure login through biometric authentication.

Breeze Banking: Next-generation Interactive Teller Machine (ITM) technology combining ATM convenience with video-enabled personal teller service, providing extended banking hours beyond traditional branch operations.

The bank also offers extended drive-thru hours at all branch locations to accommodate customer schedules.

Question 6

What makes TXN Bank unique?

Accepted Answer

TXN Bank distinguishes itself through its deep-rooted Texas heritage and commitment to relationship-based community banking. The merger of two banks with a combined 156 years of history created an institution that weathered the Great Depression, the Banking Crisis of the 1980s, and the Great Recession while maintaining local ownership and independence.

Under the leadership of President and CEO Ronnie Miller, who brings over 42 years of community banking experience, TXN Bank emphasizes personal service with "authentically Texan service" values. The bank's Breeze Banking ITM technology represents an innovative blend of traditional personal service with modern convenience, allowing customers to interact with live tellers via video screen during extended hours.

The bank's mission centers on providing a strong, locally owned financial institution that fosters community growth, distinguishing it from larger regional and national banks operating in the San Antonio area. TXN Bank maintains its headquarters and decision-making authority within its service communities rather than in distant metropolitan centers.

Question 7

What type of financial institution is TXN Bank?

Accepted Answer

TXN Bank is a state-chartered commercial bank and member of the Federal Reserve System. The bank holds FDIC Certificate #15345 and operates under Texas state banking regulations with primary federal oversight by the Federal Reserve.

As a commercial bank, TXN Bank offers a full spectrum of deposit, lending, and financial services to both retail customers and commercial clients. The state charter classification reflects the bank's August 2023 conversion from national bank status to state-chartered status, demonstrating its commitment to operating within the Texas state banking system while maintaining FDIC deposit insurance coverage and Federal Reserve membership benefits.

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