TEXAS HERITAGE NATIONAL BANK

DAINGERFIELD, TX | Medium | Est. Jan. 1, 1892, midnight | FDIC #3161 | RSSD #824653 | OCC
Latest Report: 2025-12-31

TEXAS HERITAGE NATIONAL BANK is amn medium FDIC-insured commercial bank headquartered in DAINGERFIELD, TX, established in Jan. 1, 1892, midnight. As of 2025-12-31, the bank reported total assets of $958M and total deposits of $801M. Profitability stands at 1.55% ROA and 16.51% ROE, with a net interest margin of 3.96%. The bank's CET1 capital ratio is 10.60%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.29% and a Texas Ratio of 2.83%. FDIC Certificate #3161.

Assets

$958M

Deposits

$801M

Loans

$820M

Equity

$92M

Profitability

Return on Assets (ROA) 1.55%
Return on Equity (ROE) 16.51%
Net Interest Margin (NIM) 3.96%
Yield on Assets 7.56%
Cost of Funds 3.67%

Asset Quality

NPL Ratio 0.29%
Net Charge-Off Ratio 0.28%
Texas Ratio 2.83%
NPA Ratio 0.30%
ACL / Loans 1.21%

Capital & Liquidity

CET1 Ratio 10.60%
Tier 1 Capital 10.60%
Total Capital Ratio 11.75%
Leverage Ratio 9.60%
Loan-to-Deposit 102.30%

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