Henderson, TX · Cert 21074 · Henderson Texas Bancshares Inc.
State charter, non-member · FDIC · 12 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in TX (n=208 to 211). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
23
Asset Quality
23
Profitability
42
Liquidity
22
Efficiency
45
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Henderson, TX · Cert 21074 · Henderson Texas Bancshares Inc.
State charter, non-member · FDIC · 12 branches
Q2 2026
Market Position · Longview, TX · 2026 SOD (annual) · 4.9% share · #6 of 25 inst. · $0.4B of $8.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.97% | 0.93% | 0.71% | 0.89% | 0.90% | 0.91% | 0.95% | 0.94% | +5 bps | |
| Return on Equity | 9.53% | 9.16% | 7.02% | 8.92% | 9.05% | 9.10% | 9.13% | 8.99% | +8 bps | |
| Net Interest Margin | 3.59% | 3.56% | 3.69% | 3.84% | 3.77% | 3.81% | 3.95% | 4.08% | +24 bps | |
| Efficiency Ratio | 69.08% | 69.64% | 74.78% | 68.65% | 70.18% | 70.25% | 62.96% | 64.93% | -373 bps | |
| Non-Interest Burden | 2.28% | 2.29% | 2.62% | 2.38% | 2.46% | 2.49% | 2.17% | 2.40% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.23% | 3.87% | 1.83% | 9.03% | 7.57% | 9.76% | 11.18% | 5.90% | -314 bps | |
| Loan Growth (YoY) | 2.45% | 5.85% | 4.39% | 5.00% | 4.93% | 5.13% | 4.97% | 5.11% | +11 bps | |
| Deposit Growth (YoY) | 5.43% | 3.83% | 2.53% | 10.13% | 8.13% | 11.19% | 11.46% | 4.97% | -516 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.15% | 0.21% | 2.84% | 0.12% | 0.22% | 0.28% | 0.36% | 0.46% | +34 bps | |
| Net Charge-Offs / Loans | 0.14% | 0.13% | 0.09% | 0.44% | 0.31% | 0.23% | 0.69% | 0.52% | +8 bps | |
| Allowance / Loans | 1.00% | 1.02% | 1.06% | 1.01% | 0.99% | 1.05% | 1.09% | 1.10% | +10 bps | |
| Allowance Coverage of NPLs | 6.5x | 4.8x | 0.4x | 8.6x | 4.4x | 3.7x | 3.1x | 2.4x | -6.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.50% | 10.33% | 10.52% | 10.47% | 10.16% | 10.28% | 10.57% | 10.61% | +15 bps | |
| Total Risk-Based Capital | 10.50% | 10.33% | 10.52% | 10.47% | 10.16% | 10.28% | 10.57% | 10.61% | +15 bps | |
| Equity / Assets | 10.10% | 10.05% | 10.21% | 9.56% | 9.93% | 10.29% | 10.44% | 10.62% | +106 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.68% | 90.36% | 88.17% | 84.76% | 83.15% | 85.43% | 83.04% | 84.87% | +11 bps | |
| Liquid Assets / Assets | 10.84% | 7.24% | 7.92% | 9.70% | 11.25% | 9.05% | 10.83% | 9.00% | -71 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 432% | 438% | 418% | n/a | n/a | |
Henderson, TX · Cert 21074 · Peer group: banks under $1B in assets in TX (n=208-211) · Henderson Texas Bancshares Inc.
State charter, non-member · FDIC · 12 branches
Q2 2026
Return on Assets
0.93%
Rank 152 of 211
Net Interest Margin
4.08%
Rank 80 of 211
Efficiency Ratio
64.93%
Rank 116 of 211
Equity / Assets
10.62%
Rank 121 of 211
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.93% | 0.87% | 1.20% | 1.65% | Beats 28% | 152 / 211 | ||
| Return on Equity | 8.79% | 7.52% | 11.67% | 14.58% | Beats 36% | 135 / 211 | ||
| Net Interest Margin | 4.08% | 3.28% | 3.82% | 4.31% | Beats 62% | 80 / 211 | ||
| Efficiency Ratio | 64.93% | 53.01% | 64.18% | 73.65% | Beats 45% | 116 / 211 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.46% | 0.01% | 0.30% | 1.10% | Beats 41% | 123 / 208 | ||
| Net Charge-Offs / Loans | 0.32% | 0.00% | 0.01% | 0.06% | Beats 4% | 201 / 208 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.61% | 11.72% | 14.45% | 19.57% | Beats 14% | 181 / 211 | ||
| Total Risk-Based Capital Ratio | 10.61% | 11.94% | 14.78% | 20.30% | Beats 13% | 183 / 211 | ||
| Equity / Assets | 10.62% | 9.41% | 11.06% | 12.94% | Beats 43% | 121 / 211 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 84.87% | 45.39% | 66.56% | 82.03% | 80th pctl | 42 / 208 | ||
| Loans / Assets | 73.32% | 39.13% | 56.90% | 70.46% | 83rd pctl | 35 / 211 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||