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 | |