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Llano National Bank

Llano, TX · Est. 1983 · Website ↗
A
Trust Grade
Excellent
Score: 97/100

Llano National Bank is a bank based in Llano, Texas, established in 1983, with $311 million in total assets across 5 branches. By Trust Grade it ranks 175th of 349 banks we track in Texas. Its capital ratio of 9.9% trails most similarly sized banks (46th percentile), versus a Texas median of 10.9%. It was profitable over the most recent period, with a 0.96% return on assets. No consumer complaints against Llano National Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$311.3M
$100M–1B institution
Deposits
$276.9M
Branches
5
Capital ratio
9.9%
Bottom 46% of $100M–1B peers · Texas median 10.9%
Return on assets
1.0%
Bottom 35% of $100M–1B peers · Texas median 1.38%
Rank in Texas
#175
of 349 banks

How Llano National Bank compares to Texas peers

Capital ratio
Bottom 46% of $100M–1B peers
Llano National
9.9%
Texas median
10.9%
Higher capital ratio = stronger financial cushion
Return on assets
Bottom 35% of $100M–1B peers
Llano National
1.0%
Texas median
1.4%
Higher ROA = more profitable relative to asset base

How we graded Llano National Bank

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
97/100
Customer experience
n/a
Overall
A · 97
  • Strongly capitalized (9.9% capital ratio)
  • Profitable (ROA 0.96%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Llano National Bank over the analysis window. For a smaller institution this is common and counts in its favor.

Branch locations (5)

  • 1001 Ford St, Llano, TX 78643
  • 8600 W Ranch Road 1431, Buchanan Dam, TX 78609
  • 104 W Young St, Llano, TX 78643
  • 1210 S Water St, Burnet, TX 78611
  • 400 Panther Hollow Dr, Marble Falls, TX 78654

Are deposits at Llano National Bank insured?

Yes. Llano National Bank is an FDIC-insured bank (FDIC certificate #24305). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

Llano National Bank: frequently asked questions

Is Llano National Bank a good bank?

Llano National Bank earns a Bankzia Trust Grade of A (97/100, "Excellent"), based on a financial-strength score of 97/100 (it has no CFPB complaints on record). Strongly capitalized (9.9% capital ratio); Profitable (ROA 0.96%).

Is Llano National Bank FDIC-insured?

Yes. Llano National Bank is a FDIC-insured bank (FDIC certificate #24305). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.

How big is Llano National Bank?

Llano National Bank holds $311 million in total assets, ranking 175th of 349 banks we track in Texas. It operates 5 branches.

Does Llano National Bank have CFPB complaints?

No CFPB complaints against Llano National Bank appear in our data over the analysis window, which is typical for a bank of this size.

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Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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