HENDERSON FEDERAL SAVINGS BANK
HENDERSON FEDERAL SAVINGS BANK is an FDIC-insured commercial bank headquartered in HENDERSON, TX, established in 1934. As of , 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 3.63%. CET1 capital ratio: 25.57%, well above regulatory minimums. NPL ratio: 3.32% · Texas Ratio: 9.31%. Operates 1 domestic branch.
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans — well above the typical community-bank range of 0.5–1.5%.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run.
Henderson Federal Savings Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 25.57% | 1.08% | 3.32% | 9.31% | 3.63% |
| 2025-09-30 | 25.38% | 1.03% | 4.46% | 12.14% | 3.51% |
| 2025-06-30 | 25.20% | 1.09% | 4.08% | 12.30% | 3.45% |
| 2025-03-31 | 24.75% | 0.95% | 2.85% | 9.09% | 3.54% |
| 2024-12-31 | 25.41% | 1.02% | 1.60% | 5.79% | 3.70% |
| 2024-09-30 | 25.06% | 1.29% | 1.29% | 4.87% | 3.78% |
| 2024-06-30 | 25.22% | 1.13% | 1.31% | 5.06% | 3.75% |
| 2024-03-31 | 24.88% | 1.15% | 1.64% | 4.84% | 3.73% |
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Frequently asked about HENDERSON FEDERAL SAVINGS BANK
What are Henderson Federal Savings Bank's total assets?
As of the Q4 2025 filing, Henderson Federal Savings Bank reported total assets of $116.9 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Henderson Federal Savings Bank headquartered?
Henderson Federal Savings Bank is headquartered in HENDERSON, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Henderson Federal Savings Bank founded?
Henderson Federal Savings Bank was established in 1934, per the FDIC institution directory.
Is Henderson Federal Savings Bank FDIC-insured?
Yes. Henderson Federal Savings Bank is an FDIC-insured commercial bank (FDIC Certificate #29241). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Henderson Federal Savings Bank?
Henderson Federal Savings Bank's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Henderson Federal Savings Bank's CET1 capital ratio?
Henderson Federal Savings Bank reported a Common Equity Tier 1 (CET1) capital ratio of 25.57% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Henderson Federal Savings Bank operate?
Henderson Federal Savings Bank operates 1 domestic branch, per the most recent FDIC Summary of Deposits filing.
What is Henderson Federal Savings Bank's Texas Ratio?
Henderson Federal Savings Bank's Texas Ratio is 9.31% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.