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Texas Bank
Henderson, TX · FDIC Certificate #21074 · Chartered 05/0
Total assets
$953.91M
Total deposits
$824.05M
Total equity
$101.30M
Net loans
$691.66M
Branches (offices)
12
Net income (YTD)
$5.67M
Rank: #1,081 of 4,213 U.S. banks by assets · #97 of 346 in Texas. Assets changed 5.9% and deposits 5.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.20% |
| Return on equity | 11.46% |
| Net interest margin (YTD) | 4.40% |
| Equity to assets | 10.62% |
| Tier 1 leverage ratio | 10.61% |
| Uninsured deposits (share of deposits) | 28.5% |
| Noncurrent loans (share of loans) | 0.46% |
| Net charge-offs (share of loans) | 0.52% |
| Loans to deposits | 83.9% |
| Real estate loans (share of loans) | 91.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $633.19M | 91.5% | |
| Commercial & industrial | $31.89M | 4.6% | |
| Consumer / individual | $26.61M | 3.8% | |
| Construction & development | $212.69M | 30.8% | |
| Agricultural | $7.30M | 1.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $757.33M | $659.05M | $4.28M | $66.52M |
| Jun 2023 | $816.85M | $704.77M | $4.30M | $75.72M |
| Jun 2024 | $826.16M | $712.79M | $5.00M | $83.72M |
| Jun 2025 | $900.80M | $785.02M | $4.90M | $86.13M |
| Jun 2026 | $953.91M | $824.05M | $5.67M | $101.30M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $824.05M | 12 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $824.05M.
Similar-sized banks
Central Bank ($954.59M) · The Killbuck Savings Bank Company ($953.78M)
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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