Texas Heritage National Bank
Daingerfield, TX · Cert 3161 · Peer group: banks under $1B in assets in TX (n=208-211) · Daingerfield Holding Co.
National charter · OCC · 6 branches
Q2 2026
$936.4MAssets
$803.5MLoans
$811.9MDeposits
$94.9MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 53% of banks under $1B in assets in TX (rank 101 of 211).
- Widest gap: tier 1 capital ratio trails 81% of banks under $1B in assets in TX (rank 170 of 211).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
1.13%
Rank 117 of 211
Net Interest Margin
3.54%
Rank 131 of 211
Efficiency Ratio
63.61%
Rank 101 of 211
Equity / Assets
10.14%
Rank 136 of 211
Non-interest income vs. expense
Unfavorable gap of $18.5M · efficiency ratio beats 53% 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 | 1.13% | 0.87% | 1.20% | 1.65% | Beats 45% | 117 / 211 | | |
| Return on Equity | 11.10% | 7.52% | 11.67% | 14.58% | Beats 46% | 114 / 211 | | |
| Net Interest Margin | 3.54% | 3.28% | 3.82% | 4.31% | Beats 38% | 131 / 211 | | |
| Efficiency Ratio | 63.61% | 53.01% | 64.18% | 73.65% | Beats 53% | 101 / 211 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.27% | 0.01% | 0.30% | 1.10% | Beats 23% | 161 / 208 | | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.06% | Beats 42% | 122 / 208 | | |
| Capital |
| Tier 1 Capital Ratio | 11.14% | 11.72% | 14.45% | 19.57% | Beats 19% | 170 / 211 | | |
| Total Risk-Based Capital Ratio | 12.35% | 11.94% | 14.78% | 20.30% | Beats 33% | 142 / 211 | | |
| Equity / Assets | 10.14% | 9.41% | 11.06% | 12.94% | Beats 36% | 136 / 211 | | |
| Liquidity & Funding |
| Loans / Deposits | 98.96% | 45.39% | 66.56% | 82.03% | 97th pctl | 6 / 208 | | |
| Loans / Assets | 85.81% | 39.13% | 56.90% | 70.46% | 98th pctl | 4 / 211 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |