Henderson Federal Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 5.21 percentage points in Q2 2026, from 57.30% to 52.09%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Henderson Federal Savings Bank is 233rd of 345 on return on assets, 1.15% as of Q2 2026, below the middle of the field. Henderson Federal Savings Bank reported 1.15% on return on assets for Q2 2026, 0.10 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 25.94% |
| Equity capital to assets | 25.85% |
| Tangible equity to tangible assets | 25.85% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.49% |
| Non-performing assets ratio | 2.63% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 9.69% |
| Allowance for credit losses to loans | 1.82% |
| Reserve coverage of non-performing loans | 52.09% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.15% |
| Return on equity | 4.49% |
| Net interest margin | 3.50% |
| Efficiency ratio | 57.65% |
| Yield on earning assets | 5.35% |
| Cost of funds | 2.50% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.66% |
| Core deposits to total deposits | 91.00% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 73.66% |
| Securities to assets | 9.71% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 24.25% | 1.21% | 3.66% | 1.74% | 0.17% |
| Q4 2023 | 24.90% | 1.22% | 3.79% | 1.86% | -0.18% |
| Q1 2024 | 25.65% | 1.16% | 3.73% | 1.64% | -0.01% |
| Q2 2024 | 25.88% | 1.14% | 3.76% | 1.31% | 0.08% |
| Q3 2024 | 25.80% | 1.30% | 3.79% | 1.29% | 0.12% |
| Q4 2024 | 25.81% | 1.03% | 3.70% | 1.60% | -0.01% |
| Q1 2025 | 25.84% | 0.96% | 3.54% | 2.85% | -0.01% |
| Q2 2025 | 25.61% | 1.10% | 3.46% | 4.08% | -0.01% |
| Q3 2025 | 25.87% | 1.04% | 3.54% | 4.46% | -0.02% |
| Q4 2025 | 25.84% | 1.09% | 3.64% | 3.32% | 0.25% |
| Q1 2026 | 25.80% | 0.96% | 3.47% | 3.14% | -0.00% |
| Q2 2026 | 25.94% | 1.15% | 3.50% | 3.49% | -0.00% |
Henderson Federal Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Henderson Federal Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Henderson Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29241) · FFIEC NIC profile (RSSD 849076)