Henderson Federal Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Henderson Federal Savings Bank is an FDIC-insured savings institution headquartered in Henderson, TX, established in 1934 (FDIC certificate 29241), and it is supervised by the OCC. At Q2 2026 it reported total assets of $117.7M, up 1.8% from Q2 2025, the 301st largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 25.94% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 29241
- Headquarters
- Henderson, TX
- Established
- 1934
- Total assets, Q2 2026
- $117.7M
- Assets vs Q2 2025
- +1.8%
- Tier 1 leverage ratio, Q2 2026
- 25.94%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 311971776
- Latest call report
- Q2 2026, FFIEC 051 · Henderson Federal Savings Bank call report
- Asset rank in state
- 301st of 346 in Texas
Henderson Federal Savings Bank carries far more capital than most banks of its size. The Henderson, Texas bank had $118 million in assets at June 30, 2026, up 1.8% from a year earlier. It funds 25.94% of its assets with Tier 1 capital, 2.4 times the median of 10.99% for the 2,627 banks with $100 million to $1 billion in assets. It also holds commercial real estate loans equal to only 24% of its capital, a small fraction of the median of 1.2 times for banks its size.
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 3.49% of loans, down from 4.08% a year earlier. Profitability lags: it returns 4.5% a year on shareholders' equity, about a third the median of 12.6% for banks its size.
As of June 30, 2026, Henderson Federal Savings Bank reported a return on assets of 1.15%, a nonperforming-loan ratio of 3.49% and a Texas ratio of 9.69%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, Henderson Federal Savings Bank is the 301st largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.7% to $117.7M, loans were flat and deposits fell 1.1%. 1-4 family residential loans made up 77.0% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 5.6%. Its one office in the FDIC Summary of Deposits is in Henderson, TX. Judged on its Q2 2026 call report, Henderson Federal Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 130 N Marshall St, Henderson, TX 75652
- County
- Rusk
- Metro Area
- Longview, TX
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- —
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- November 1, 1934
- Former names
- Henderson Federal Savings Association (1992-2004)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 21
- Domestic deposits
- $86.7M
- Allowance for credit losses
- $1.5M
- Net charge-offs (YTD)
- -$2K
- Average total assets
- $118.4M
- Average total loans
- $83.5M
- Average interest-bearing deposits
- $79.8M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29241
- Fed RSSD
- 849076
- Website
- www.hendersonfederal.com →
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Henderson Federal Savings Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Henderson Federal Savings Bank's total assets ran between $109.8M (Q4 2023) and $118.5M (Q1 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
$117.7M total assets against $115.6M; $87.3M total liabilities against $86.5M.
$81.5M net loans and leases against $82.4M; $86.7M total deposits against $85.8M.
$11.4M securities against $9.1M; $23.2M cash and balances due against $22.2M.
$1.6M total interest income against $1.5M; $548K total interest expense against $556K.
$1.0M net interest income against $993K.
$25K total noninterest income against $25K; $612K total noninterest expense against $598K.
$15K provision for credit losses against $15K.
$340K net income against $317K.
1.15% return on assets against 1.10%; 3.50% net interest margin against 3.46%.
25.94% tier 1 leverage ratio against 25.61%.
Inside the full Henderson Federal Savings 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.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Henderson Federal Savings Bank rankings
Its closest position to the top of a national ranking is 667 of 3,640, for Texas Ratio; its furthest is 3,533 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.96% (Q1 2025) to 1.30% (Q3 2024) and its net interest margin ran from 3.46% (Q2 2025) to 3.79% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 25.94% | 1.15% | 3.49% | 9.69% | 3.50% |
| Q1 2026 | 25.80% | 0.96% | 3.14% | 8.86% | 3.47% |
| Q4 2025 | 25.84% | 1.09% | 3.32% | 9.31% | 3.64% |
| Q3 2025 | 25.87% | 1.04% | 4.46% | 12.14% | 3.54% |
| Q2 2025 | 25.61% | 1.10% | 4.08% | 12.30% | 3.46% |
| Q1 2025 | 25.84% | 0.96% | 2.85% | 9.09% | 3.54% |
| Q4 2024 | 25.81% | 1.03% | 1.60% | 5.79% | 3.70% |
| Q3 2024 | 25.80% | 1.30% | 1.29% | 4.87% | 3.79% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Henderson Federal Savings Bank (main office) | Henderson , TX | 75652 | $86.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 381 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Henderson Federal Savings Bank
What are Henderson Federal Savings Bank's total assets?
As of the Q2 2026 filing, Henderson Federal Savings Bank reported total assets of $117.7 million in its FFIEC call report.
Where is Henderson Federal Savings Bank headquartered?
It is headquartered in Henderson, TX, United States.
When was Henderson Federal Savings Bank founded?
It was established in 1934, per the FDIC institution directory.
Is Henderson Federal Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings institution (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.
How many branches does Henderson Federal Savings Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Henderson Federal Savings Bank's Texas Ratio?
Its Texas Ratio is 9.69% 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.
What was Henderson Federal Savings Bank previously called?
The charter now named Henderson Federal Savings Bank has also operated as Henderson Federal Savings Association (1992-2004), per FDIC structure-change records.
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