HENDERSON FEDERAL SAVINGS BANK

HENDERSON, TX | Small | Est. Nov. 1, 1934, midnight | FDIC #29241 | RSSD #849076 | OCC
Latest Report: 2025-12-31

HENDERSON FEDERAL SAVINGS BANK is asn small FDIC-insured commercial bank headquartered in HENDERSON, TX, established in Nov. 1, 1934, midnight. As of 2025-12-31, the bank reported total assets of $117M and total deposits of $86M. Profitability stands at 1.08% ROA and 4.25% ROE, with a net interest margin of 3.95%. The bank's CET1 capital ratio is 25.57%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 3.32% and a Texas Ratio of 9.31%. FDIC Certificate #29241.

Assets

$117M

Deposits

$86M

Loans

$82M

Equity

$30M

Profitability

Return on Assets (ROA) 1.08%
Return on Equity (ROE) 4.25%
Net Interest Margin (NIM) 3.95%
Yield on Assets 6.02%
Cost of Funds 2.57%

Asset Quality

NPL Ratio 3.32%
Net Charge-Off Ratio 0.05%
Texas Ratio 9.31%
NPA Ratio 2.50%
ACL / Loans 1.80%

Capital & Liquidity

CET1 Ratio 25.57%
Tier 1 Capital 25.57%
Total Capital Ratio 26.84%
Leverage Ratio 25.84%
Loan-to-Deposit 94.72%

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