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
Unfavorable gap of $2.5M · efficiency ratio beats 57% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.06% | 0.87% | 1.20% | 1.65% | Beats 41% | 124 / 211 | |
| Return on Equity | 4.09% | 7.52% | 11.67% | 14.58% | Beats 13% | 184 / 211 | |
| Net Interest Margin | 3.47% | 3.28% | 3.82% | 4.31% | Beats 32% | 143 / 211 | |
| Efficiency Ratio | 60.93% | 53.01% | 64.18% | 73.65% | Beats 57% | 92 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.49% | 0.01% | 0.30% | 1.10% | Beats 2% | 204 / 208 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 100% | 43 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 25.94% | 11.72% | 14.45% | 19.57% | Beats 84% | 33 / 211 | |
| Total Risk-Based Capital Ratio | 25.94% | 11.94% | 14.78% | 20.30% | Beats 84% | 34 / 211 | |
| Equity / Assets | 25.85% | 9.41% | 11.06% | 12.94% | Beats 98% | 5 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 95.66% | 45.39% | 66.56% | 82.03% | 95th pctl | 10 / 208 | |
| Loans / Assets | 70.47% | 39.13% | 56.90% | 70.46% | 75th pctl | 52 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |