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Texas Financial Bank
Eden, TX · FDIC Certificate #26738 · Chartered 07/3
Total assets
$264.56M
Total deposits
$223.62M
Total equity
$36.39M
Net loans
$146.89M
Branches (offices)
4
Net income (YTD)
$416.00K
Rank: #2,641 of 4,213 U.S. banks by assets · #230 of 346 in Texas. Assets changed 44.2% and deposits 45.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.33% |
| Return on equity | 2.36% |
| Net interest margin (YTD) | 4.85% |
| Equity to assets | 13.76% |
| Tier 1 leverage ratio | 11.72% |
| Uninsured deposits (share of deposits) | 48.6% |
| Noncurrent loans (share of loans) | 1.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 65.7% |
| Real estate loans (share of loans) | 73.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $108.10M | 73.6% | |
| Commercial & industrial | $31.73M | 21.6% | |
| Consumer / individual | $1.14M | 0.8% | |
| Construction & development | $40.26M | 27.4% | |
| Agricultural | $7.82M | 5.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $123.75M | $112.75M | $395.00K | $10.83M |
| Jun 2023 | $116.50M | $103.69M | $882.00K | $12.48M |
| Jun 2024 | $136.04M | $111.37M | $178.00K | $22.94M |
| Jun 2025 | $183.50M | $153.32M | $1.11M | $26.32M |
| Jun 2026 | $264.56M | $223.62M | $416.00K | $36.39M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $223.62M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $223.62M.
Similar-sized banks
Bank Of Desoto, National Association ($264.57M) · Summit Bank ($264.44M)
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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