TEXAS FINANCIAL BANK DBA THE EDEN STATE BANK

EDEN, TX | Small | Est. July 31, 1986, midnight | FDIC #26738 | RSSD #656658 | FDIC
Latest Report: 2025-12-31

TEXAS FINANCIAL BANK DBA THE EDEN STATE BANK is asn small FDIC-insured commercial bank headquartered in EDEN, TX, established in July 31, 1986, midnight. As of 2025-12-31, the bank reported total assets of $235M and total deposits of $195M. Profitability stands at 0.69% ROA and 4.53% ROE, with a net interest margin of 4.98%. The bank's CET1 capital ratio is 10.10%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #26738.

Assets

$235M

Deposits

$195M

Loans

$117M

Equity

$35M

Profitability

Return on Assets (ROA) 0.69%
Return on Equity (ROE) 4.53%
Net Interest Margin (NIM) 4.98%
Yield on Assets 5.98%
Cost of Funds 1.10%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.21%

Capital & Liquidity

CET1 Ratio 10.10%
Tier 1 Capital 10.10%
Total Capital Ratio 10.61%
Leverage Ratio 12.34%
Loan-to-Deposit 60.00%

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