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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

5.53%Q2 ’245.39%Q2 ’255.35%Q2 ’26-8%+1%

Non-interest income vs. expense

2.35%Q2 ’242.08%Q2 ’252.07%Q2 ’26-12%0%

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

Executive Summary

  • Earnings: ROA of 1.15%, up 6 bps year over year; NIM at 3.49%.
  • 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 (quarter, annualized)

1.15%+6 bps YoY

Net Interest Margin (quarter, annualized)

3.49%+4 bps YoY

Efficiency Ratio (quarter, annualized)

57.79%-95 bps YoY

Tier 1 Leverage Ratio

25.94%+33 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.09%1.03%1.08%0.96%1.15%+6 bps
Return on Equity4.38%4.09%4.25%3.76%4.49%+11 bps
Net Interest Margin3.45%3.54%3.64%3.47%3.49%+4 bps
Efficiency Ratio58.74%62.97%63.08%64.11%57.79%-95 bps
Non-Interest Burden1.99%2.20%2.26%2.19%1.98%-1 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%-0.02%0.25%0.00%0.00%0 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