TEXAS BANK

HENDERSON, TX | Medium | Est. May 5, 1973, midnight | FDIC #21074 | RSSD #414764 | FDIC
Latest Report: 2025-12-31

TEXAS BANK is amn medium FDIC-insured commercial bank headquartered in HENDERSON, TX, established in May 5, 1973, midnight. As of 2025-12-31, the bank reported total assets of $936M and total deposits of $810M. Profitability stands at 1.17% ROA and 11.60% ROE, with a net interest margin of 4.53%. The bank's CET1 capital ratio is 10.29%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.03% and a Texas Ratio of 0.19%. FDIC Certificate #21074.

Assets

$936M

Deposits

$810M

Loans

$692M

Equity

$96M

Profitability

Return on Assets (ROA) 1.17%
Return on Equity (ROE) 11.60%
Net Interest Margin (NIM) 4.53%
Yield on Assets 6.90%
Cost of Funds 2.44%

Asset Quality

NPL Ratio 0.03%
Net Charge-Off Ratio 0.23%
Texas Ratio 0.19%
NPA Ratio 0.02%
ACL / Loans 1.05%

Capital & Liquidity

CET1 Ratio 10.29%
Tier 1 Capital 10.29%
Total Capital Ratio 10.81%
Leverage Ratio 10.28%
Loan-to-Deposit 85.43%

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