BanksTEXAS BANK

TEXAS BANK

HENDERSON, TXMediumEst. May 5, 1973, midnightFDIC #21074RSSD #414764FDIC
Latest · 2025-12-31

TEXAS BANK is an 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%. CET1 capital ratio: 10.29%, well above regulatory minimums. NPL ratio: 0.03% · Texas Ratio: 0.19%. Operates 11 domestic branches.

Assets
$936M
Deposits
$810M
Loans
$692M
Equity
$96M

Profitability

Return on Assets (ROA)1.17%
Return on Equity (ROE)11.60%
Net Interest Margin4.53%
Yield on Assets6.90%
Cost of Funds2.44%

Asset Quality

NPL Ratio0.03%
Net Charge-Off Ratio0.23%
Texas Ratio0.19%
NPA Ratio0.02%
ACL / Loans1.05%

Capital & Liquidity

CET1 Ratio10.29%
Tier 1 Capital10.29%
Total Capital Ratio10.81%
Leverage Ratio10.28%
Loan-to-Deposit85.43%

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