CENDERA BANK

BELLS, TX | Small | Est. Jan. 1, 1904, midnight | FDIC #3098 | RSSD #89957 | FED
Latest Report: 2025-12-31

CENDERA BANK is asn small FDIC-insured commercial bank headquartered in BELLS, TX, established in Jan. 1, 1904, midnight. As of 2025-12-31, the bank reported total assets of $228M and total deposits of $199M. Profitability stands at 0.34% ROA and 3.00% ROE, with a net interest margin of 4.14%. The bank's CET1 capital ratio is 11.83%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.02% and a Texas Ratio of 0.49%. FDIC Certificate #3098.

Assets

$228M

Deposits

$199M

Loans

$177M

Equity

$27M

Profitability

Return on Assets (ROA) 0.34%
Return on Equity (ROE) 3.00%
Net Interest Margin (NIM) 4.14%
Yield on Assets 7.34%
Cost of Funds 3.33%

Asset Quality

NPL Ratio 0.02%
Net Charge-Off Ratio 0.05%
Texas Ratio 0.49%
NPA Ratio 0.06%
ACL / Loans 1.17%

Capital & Liquidity

CET1 Ratio 11.83%
Tier 1 Capital 11.83%
Total Capital Ratio 12.42%
Leverage Ratio 11.09%
Loan-to-Deposit 88.59%

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