Texas Bank
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
$953.9MAssets
$699.4MLoans
$824.0MDeposits
$101.3MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 62% of banks under $1B in assets in TX (rank 80 of 211).
- Widest gap: net charge-offs / loans trails 96% of banks under $1B in assets in TX (rank 201 of 208).
- Overall: at or above the peer median on 1 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $23.0M · efficiency ratio beats 45% of banks under $1B in assets in TX | 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 |