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Cendera Bank
Bells, TX · FDIC Certificate #3098 · Chartered 01/0
Total assets
$257.60M
Total deposits
$228.50M
Total equity
$27.37M
Net loans
$199.07M
Branches (offices)
3
Net income (YTD)
$445.00K
Rank: #2,671 of 4,213 U.S. banks by assets · #233 of 346 in Texas. Assets changed 13.4% and deposits 14.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.37% |
| Return on equity | 3.28% |
| Net interest margin (YTD) | 4.30% |
| Equity to assets | 10.62% |
| Tier 1 leverage ratio | 11.25% |
| Uninsured deposits (share of deposits) | 38.5% |
| Noncurrent loans (share of loans) | 0.37% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 87.1% |
| Real estate loans (share of loans) | 80.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $159.25M | 80.0% | |
| Commercial & industrial | $41.45M | 20.8% | |
| Consumer / individual | $443.00K | 0.2% | |
| Construction & development | $27.09M | 13.6% | |
| Agricultural | $11.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $148.84M | $130.82M | -$237.00K | $17.77M |
| Jun 2023 | $181.99M | $144.96M | -$381.00K | $19.57M |
| Jun 2024 | $194.02M | $167.34M | $96.00K | $25.46M |
| Jun 2025 | $227.25M | $199.50M | $197.00K | $26.34M |
| Jun 2026 | $257.60M | $228.50M | $445.00K | $27.37M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $228.50M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $228.50M.
Similar-sized banks
The Farmers State Bank Of Westmoreland ($257.67M) · Union State Bank Of Hazen ($257.42M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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