Henderson Federal Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Henderson Federal Savings Bank of Henderson, TX against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.15% | 1.34% | -0.19% | 42nd below |
| ROAE | 4.49% | 13.32% | -8.83% | 13th bottom |
| Net Interest Margin | 3.50% | 3.93% | -0.43% | 27th below |
| Efficiency Ratio | 57.65% | 61.13% | -3.48% | 61st above |
| PPNR / Avg Assets | 1.51% | 1.68% | -0.17% | 45th below |
| Yield on Earning Assets | 5.35% | 5.67% | -0.32% | 37th below |
| Cost of Funds | 2.50% | 1.88% | +0.62% | 15th bottom |
| Net Interest Spread | 2.58% | 3.32% | -0.74% | 16th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.49% | 0.94% | +2.55% | 5th bottom |
| NPA / Total Assets | 2.63% | 0.70% | +1.93% | 5th bottom |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 82nd top |
| ACL / Total Loans | 1.82% | 1.28% | +0.54% | 90th top |
| ACL / NPLs (Coverage) | 52.09% | 1546.31% | -1494.22% | 11th bottom |
| Texas Ratio | 9.69% | 7.34% | +2.35% | 23rd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 25.94% | 12.14% | +13.80% | 98th top |
| Equity / Assets | 25.85% | 11.36% | +14.49% | 98th top |
| TCE / Tangible Assets | 25.85% | 11.08% | +14.77% | 98th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 95.66% | 80.66% | +15.00% | 17th bottom |
| Core Deposit Ratio | 91.00% | 86.85% | +4.15% | 61st above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.83% | 6.84% | -5.01% | 32nd below |
| Loan Growth (Y/Y) | -1.13% | 7.92% | -9.05% | 18th bottom |
| Deposit Growth (Y/Y) | 1.02% | 6.29% | -5.27% | 29th below |
See Henderson Federal Savings Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Henderson Federal Savings Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Henderson Federal Savings Bank profile, how to read a UBPR, or how this data updates.