Cendera Bank
Bells, TX · Cert 3098 · Peer group: banks under $1B in assets in TX (n=208-211) · Cendera Financial Holdings Inc.
State charter, Fed member · FED · 3 branches
Q2 2026
$257.6MAssets
$201.2MLoans
$228.5MDeposits
$27.4MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in TX (rank 43 of 208).
- Widest gap: efficiency ratio trails 91% of banks under $1B in assets in TX (rank 193 of 211).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.35%
Rank 190 of 211
Net Interest Margin
3.92%
Rank 101 of 211
Efficiency Ratio
87.70%
Rank 193 of 211
Equity / Assets
10.62%
Rank 119 of 211
Non-interest income vs. expense
Unfavorable gap of $8.3M · efficiency ratio beats 9% 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 | 0.35% | 0.87% | 1.20% | 1.65% | Beats 10% | 190 / 211 | | |
| Return on Equity | 3.25% | 7.52% | 11.67% | 14.58% | Beats 10% | 189 / 211 | | |
| Net Interest Margin | 3.92% | 3.28% | 3.82% | 4.31% | Beats 52% | 101 / 211 | | |
| Efficiency Ratio | 87.70% | 53.01% | 64.18% | 73.65% | Beats 9% | 193 / 211 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.37% | 0.01% | 0.30% | 1.10% | Beats 46% | 113 / 208 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 100% | 43 / 208 | | |
| Capital |
| Tier 1 Capital Ratio | 11.25% | 11.72% | 14.45% | 19.57% | Beats 21% | 167 / 211 | | |
| Total Risk-Based Capital Ratio | 11.25% | 11.94% | 14.78% | 20.30% | Beats 20% | 169 / 211 | | |
| Equity / Assets | 10.62% | 9.41% | 11.06% | 12.94% | Beats 44% | 119 / 211 | | |
| Liquidity & Funding |
| Loans / Deposits | 88.03% | 45.39% | 66.56% | 82.03% | 87th pctl | 27 / 208 | | |
| Loans / Assets | 78.09% | 39.13% | 56.90% | 70.46% | 90th pctl | 21 / 211 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |