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Henderson Federal Savings Bank

Henderson, TX · Cert 29241

State savings bank · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in TX3

Basis

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.

Peer group

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.

Peer standing

Capital

89

Q2 2024Q2 2026peer median (50)

Asset Quality

51

Q2 2024Q2 2026peer median (50)

Profitability

29

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

57

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Henderson Federal Savings Bank

Henderson, TX · Cert 29241

State savings bank · OCC · 1 branch

Q2 2026

$117.7MAssets
$83.0MLoans
$86.7MDeposits
$30.4MEquity
Loan mix
90%RE $74.6M6%C&I $4.7M4%Consumer $3.7MQ2 2025Q2 2026
Deposit mix
91%Interest-bearing $79.3M9%Noninterest $7.5MQ2 2025Q2 2026

NIM

5.47%Q2 ’245.37%Q2 ’255.32%Q2 ’26-8%+0%

Non-interest income vs. expense

2.32%Q2 ’242.18%Q2 ’252.17%Q2 ’26-6%-1%

Market Position · Longview, TX · 2026 SOD (annual) · 1.1% share · #19 of 25 inst. · $0.1B of $8.0B

Executive Summary

  • Earnings: ROA of 1.06%, up 3 bps year over year; NIM at 3.47%.
  • Asset quality: problem loans at 3.49% of loans (-59 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 25.94%, up 33 bps from a year ago.
  • Funding: loans stand at 95.66% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.06%+3 bps YoY

Net Interest Margin (YTD, annualized)

3.47%+1 bps YoY

Efficiency Ratio (YTD, annualized)

60.93%-75 bps YoY

Tier 1 Leverage Ratio

25.94%+33 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.02%1.03%1.04%0.96%1.06%+3 bps
Return on Equity4.08%4.08%4.13%3.76%4.13%+5 bps
Net Interest Margin3.46%3.49%3.49%3.47%3.47%+1 bps
Efficiency Ratio61.68%62.11%62.36%64.11%60.93%-75 bps
Non-Interest Burden2.10%2.13%2.15%2.19%2.08%-2 bps
Growth
Asset Growth (YoY)5.18%3.22%4.53%1.90%1.83%-335 bps
Loan Growth (YoY)-2.63%-0.53%-5.28%-1.44%-1.13%+150 bps
Deposit Growth (YoY)5.19%2.73%4.15%0.84%1.02%-418 bps
Asset Quality
Nonperforming Loans / Loans4.08%4.46%3.32%3.14%3.49%-59 bps
Net Charge-Offs / Loans-0.01%-0.01%0.05%0.00%0.00%+1 bps
Allowance / Loans1.82%1.81%1.80%1.80%1.82%0 bps
Allowance Coverage of NPLs0.4x0.4x0.5x0.6x0.5x+0.1x
Capital
Tier 1 Leverage Ratio25.61%25.87%25.84%25.80%25.94%+33 bps
Total Risk-Based Capital25.61%25.87%25.84%25.80%25.94%+33 bps
Equity / Assets25.20%25.38%25.57%25.42%25.85%+64 bps
Liquidity & Funding
Loans / Deposits97.74%98.10%94.72%94.65%95.66%-207 bps
Liquid Assets / Assets18.93%15.80%19.20%19.58%19.34%+41 bps
CRE / Total Capitaln/a38.54%34.73%38.93%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Henderson Federal Savings Bank

Henderson, TX · Cert 29241 · Peer group: banks under $1B in assets in TX (n=208-211)

State savings bank · OCC · 1 branch

Q2 2026

$117.7MAssets
$83.0MLoans
$86.7MDeposits
$30.4MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in TX (rank 43 of 208).
  • Widest gap: nonperforming loans / loans trails 98% of banks under $1B in assets in TX (rank 204 of 208).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.06%

Rank 124 of 211

Net Interest Margin

3.47%

Rank 143 of 211

Efficiency Ratio

60.93%

Rank 92 of 211

Equity / Assets

25.85%

Rank 5 of 211

Non-interest income vs. expense

$0.1M$2.6MINCOMEEXPENSE
Unfavorable gap of $2.5M · efficiency ratio beats 57% of banks under $1B in assets in TX
Bank 60.93%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.06%0.87%1.20%1.65%Beats 41%124 / 211
Return on Equity4.09%7.52%11.67%14.58%Beats 13%184 / 211
Net Interest Margin3.47%3.28%3.82%4.31%Beats 32%143 / 211
Efficiency Ratio60.93%53.01%64.18%73.65%Beats 57%92 / 211
Asset Quality
Nonperforming Loans / Loans3.49%0.01%0.30%1.10%Beats 2%204 / 208
Net Charge-Offs / Loans0.00%0.00%0.01%0.06%Beats 100%43 / 208
Capital
Tier 1 Capital Ratio25.94%11.72%14.45%19.57%Beats 84%33 / 211
Total Risk-Based Capital Ratio25.94%11.94%14.78%20.30%Beats 84%34 / 211
Equity / Assets25.85%9.41%11.06%12.94%Beats 98%5 / 211
Liquidity & Funding
Loans / Deposits95.66%45.39%66.56%82.03%95th pctl10 / 208
Loans / Assets70.47%39.13%56.90%70.46%75th pctl52 / 211
Brokered Deposits / Depositsn/aNot reported for this institution