Bank Comparison
Cendera Bank vs Texas Heritage Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 11
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Cendera Bank | Texas Heritage Bank |
|---|---|---|
| CET1 Ratio | — | 13.97% |
| Tier 1 Capital Ratio | — | 13.97% |
| Total Capital Ratio | — | 15.22% |
| Tier 1 Leverage Ratio | 11.79% | 9.94% |
| Equity / Assets | 11.81% | 12.35% |
Profitability
| Metric | Cendera Bank | Texas Heritage Bank |
|---|---|---|
| Return on Assets (ROA) | 0.24% | 1.46% |
| Return on Equity (ROE) | 2.00% | 11.79% |
| Net Interest Margin (NIM) | 4.19% | 5.44% |
| Yield on Earning Assets | 6.92% | 6.68% |
| Cost of Funds | 2.96% | 1.36% |
Asset quality
| Metric | Cendera Bank | Texas Heritage Bank |
|---|---|---|
| Texas Ratio | 2.06% | 0.50% |
| Non-Performing Loan Ratio | 0.02% | 0.06% |
| Non-Performing Asset Ratio | 0.06% | 0.04% |
| Net Charge-Off Ratio | -0.01% | 0.01% |
| ACL / Loans | 1.13% | 1.11% |
Balance sheet
| Metric | Cendera Bank | Texas Heritage Bank |
|---|---|---|
| Total Assets | $228,894K | $227,127K |
| Total Deposits | $200,615K | $196,251K |
| Total Loans | $181,957K | $166,030K |
| Total Equity | $27,034K | $28,049K |
| Net Income (quarter) | $135 | $815 |
Liquidity & funding
| Metric | Cendera Bank | Texas Heritage Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 90.70% | 84.60% |
| Core Deposit Ratio | 74.92% | 92.51% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Cendera Bank | Texas Heritage Bank |
|---|---|---|
| Headquarters City | BELLS | Boerne |
| Headquarters State | TX | TX |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 3 | 3 |
| Employees (FTE) | 34 | 37 |
| Established | Jan. 1, 1904, midnight | Oct. 23, 1931, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full Cendera Bank profile | View full Texas Heritage Bank profile | Browse all bank comparisons