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Texas Heritage National Bank
Daingerfield, TX · FDIC Certificate #3161 · Chartered 01/0
Total assets
$936.37M
Total deposits
$811.92M
Total equity
$94.91M
Net loans
$793.21M
Branches (offices)
6
Net income (YTD)
$6.71M
Rank: #1,106 of 4,213 U.S. banks by assets · #100 of 346 in Texas. Assets changed -0.1% and deposits -1.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.42% |
| Return on equity | 14.45% |
| Net interest margin (YTD) | 3.66% |
| Equity to assets | 10.14% |
| Tier 1 leverage ratio | 10.17% |
| Uninsured deposits (share of deposits) | 40.5% |
| Noncurrent loans (share of loans) | 1.27% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 97.7% |
| Real estate loans (share of loans) | 77.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $613.58M | 77.4% | |
| Commercial & industrial | $159.83M | 20.1% | |
| Consumer / individual | $12.88M | 1.6% | |
| Construction & development | $107.07M | 13.5% | |
| Agricultural | $17.20M | 2.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $479.55M | $371.72M | $2.69M | $43.62M |
| Jun 2023 | $566.62M | $457.52M | $3.55M | $47.77M |
| Jun 2024 | $724.76M | $612.11M | $3.01M | $68.14M |
| Jun 2025 | $937.70M | $827.51M | $6.29M | $84.31M |
| Jun 2026 | $936.37M | $811.92M | $6.71M | $94.91M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $811.92M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $811.92M.
Similar-sized banks
Pinnacle Bank ($936.97M) · First Commerce Bank ($935.08M)
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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