Harmony Bank
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Data as of · sourced from FFIEC call reports. How we update
Harmony Bank is an FDIC-insured commercial bank headquartered in Dallas, TX, established in 2005 (FDIC certificate 57922), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $855.3M, up 3.7% from Q2 2025, the 105th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 14.88% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57922
- Headquarters
- Dallas, TX
- Established
- 2005
- Total assets, Q2 2026
- $855.3M
- Assets vs Q2 2025
- +3.7%
- CET1 ratio, Q2 2026
- 14.88%
- Domestic offices
- 12 FDIC institution directory, current count
- Routing number
- 111925113
- Latest call report
- Q2 2026, FFIEC 051 · Harmony Bank call report
- Holding company
- HARMONY BANCSHARES, INC.
- Asset rank in state
- 105th of 346 in Texas
Harmony Bank leans heavily on commercial real estate. The Dallas, Texas bank had $855 million in assets at June 30, 2026, up 3.7% from a year earlier. It holds commercial real estate loans worth 3.3 times its capital, about triple the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it keeps 4.84 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.95 cents).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.02% of loans from 0.45%. Its $87 million commercial and industrial book is improving, with 0.07% past due or on nonaccrual, down from 0.79% a year earlier. Profitability lags: it returns 6.5% a year on shareholders' equity, about half the median of 12.5% for banks its size.
As of June 30, 2026, Harmony Bank reported a CET1 capital ratio of 14.88%, a return on assets of 1.04%, a nonperforming-loan ratio of 0.02% and a Texas ratio of 0.10%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Harmony Bank is the 105th largest of the 346 banks headquartered in Texas. Between Q1 2026 and Q2 2026, its total assets rose 4.7% to $855.3M, loans rose 3.6% and deposits rose 5.4%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 28.9% of total loans, followed by construction and land development loans at 20.5%. Its 12 offices in the FDIC Summary of Deposits are in 8 cities in TX; its Kemp office books 30% of its branch deposits. Judged on its Q2 2026 call report, Harmony Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 4161 Mckinney Ave, Dallas, TX 75204
- County
- Dallas
- Metro Area
- Dallas-Fort Worth-Arlington, TX
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 4, 2005
- Domestic offices
- 12 FDIC institution directory, current count
- Employees (FTE)
- 99
- Domestic deposits
- $707.7M
- Allowance for credit losses
- $6.8M
- Net charge-offs (YTD)
- $1.6M
- Average total assets
- $869.1M
- Average total loans
- $612.5M
- Average interest-bearing deposits
- $491.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 4, 2005
- FDIC Cert
- 57922
- Fed RSSD
- 3297490
- Website
- www.harmony.bank →
- Parent Holding Company
- HARMONY BANCSHARES, INC. (RSSD 4805829)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Harmony Bank's total assets ranged from $717.1M (Q4 2023) to $855.3M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$855.3M total assets against $824.7M; $716.1M total liabilities against $704.0M.
$622.6M net loans and leases against $588.4M; $707.7M total deposits against $665.9M.
$100.7M securities against $77.7M; $56.9M cash and balances due against $83.2M.
$12.8M total interest income against $12.9M; $3.3M total interest expense against $3.9M.
$9.5M net interest income against $9.0M.
$463K total noninterest income against $430K; $6.4M total noninterest expense against $6.1M.
$783K provision for credit losses against $402K.
$2.3M net income against $2.3M.
1.04% return on assets against 1.12%; 4.84% net interest margin against 4.82%.
14.88% CET1 capital ratio against 12.40%; 11.90% tier 1 leverage ratio against 10.06%.
Inside the full Harmony Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Harmony Bank rankings
Its closest position to the top of a national ranking is 1,177 of 4,196, for total assets; its furthest is 3,242 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.59% (Q1 2025) to 1.27% (Q1 2026) and its net interest margin ran from 3.89% (Q3 2024) to 5.08% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.88% | 1.04% | 0.02% | 0.10% | 4.84% |
| Q1 2026 | 15.13% | 1.27% | 0.01% | 0.07% | 5.08% |
| Q4 2025 | 14.98% | 1.23% | 0.11% | 0.40% | 5.03% |
| Q3 2025 | 12.68% | 1.05% | 0.08% | 2.79% | 4.91% |
| Q2 2025 | 12.40% | 1.12% | 0.50% | 3.33% | 4.82% |
| Q1 2025 | 12.46% | 0.59% | 0.48% | 3.32% | 4.69% |
| Q4 2024 | 12.61% | 0.69% | 0.49% | 3.29% | 4.18% |
| Q3 2024 | 12.95% | 0.81% | 0.18% | 0.91% | 3.89% |
Swipe the table sideways to see every column.
Branch Network
View all 12 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Kemp Branch | Kemp , TX | 75143 | $212.9M |
| Garland Branch | Garland , TX | 75042 | $129.7M |
| Harmony Bank (main office) | Dallas , TX | 75204 | $111.4M |
| Ennis Branch | Ennis , TX | 75119 | $72.2M |
| Waxahachie Branch | Waxahachie , TX | 75165 | $47.0M |
| Rice Branch | Rice , TX | 75155 | $38.8M |
| Seven Points Branch | Seven Points , TX | 75143 | $30.7M |
| Deep Ellum Branch | Dallas , TX | 75226 | $25.1M |
| Italy Branch | Italy , TX | 76651 | $24.0M |
| Bishop Arts Branch | Dallas , TX | 75208 | $8.5M |
| Ervay Street Branch | Dallas , TX | 75215 | $6.3M |
| Maple Avenue Branch | Dallas , TX | 75235 | $980K |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 12, 2023 | Structure Change | Acquired Harmony Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 11, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 146 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 70 applications, 46 loans originated, $27.9M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $320K approved, $320K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Harmony Bank
What are Harmony Bank's total assets?
As of the Q2 2026 filing, Harmony Bank reported total assets of $855.3 million in its FFIEC call report.
Where is Harmony Bank headquartered?
It is headquartered in Dallas, TX, United States.
When was Harmony Bank founded?
It was established in 2005, per the FDIC institution directory.
Is Harmony Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57922). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Harmony Bank?
Harmony Bank's primary federal regulator is the FDIC.
What is Harmony Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.88% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Harmony Bank operate?
It operates 12 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Harmony Bank's Texas Ratio?
Its Texas Ratio is 0.10% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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