NexBank
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Data as of · sourced from FFIEC call reports. How we update
NexBank is an FDIC-insured commercial bank headquartered in Dallas, TX, established in 1934 (FDIC certificate 29209), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $14.16B, down 0.2% from Q2 2025, the 8th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 14.92% 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
- 29209
- Headquarters
- Dallas, TX
- Established
- 1934
- Total assets, Q2 2026
- $14.16B
- Assets vs Q2 2025
- -0.2%
- CET1 ratio, Q2 2026
- 14.92%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 311973208
- Holding company
- NEXBANK CAPITAL, INC.
- Asset rank in state
- 8th of 346 in Texas
NexBank, based in Dallas, Texas, reported $14.2 billion in assets at June 30, 2026. It keeps 2.42 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 127 banks with $10 billion to $100 billion in assets (median 3.63 cents). It also carries problem assets equal to 14.5% of the capital and reserves that would absorb them, 3.4 times the median of 4.2% for banks its size.
Earnings fell sharply: quarterly net income of $29 million was 38% below a year earlier. Over the same year, loans shrank 2.2% and deposits grew 3.3%. Profitability lags: it earns about $0.84 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.32).
As of June 30, 2026, NexBank reported a CET1 capital ratio of 14.92%, a return on assets of 0.84%, a nonperforming-loan ratio of 1.47% and a Texas ratio of 14.48%. The figures come from its call report filed with the FFIEC.
NexBank ranks as the 8th largest of the 346 banks based in Texas, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 5.3% to $14.16B, loans rose 0.9% and deposits rose 7.1%. 1-4 family residential loans made up 64.4% of its total loans on June 30, 2026, its largest category; next came loans to nondepository financial institutions at 18.6%. Its 2 offices in the FDIC Summary of Deposits are in Dallas, TX. By the capital ratios in its Q2 2026 call report, NexBank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2515 Mckinney Ave, Dallas, TX 75201
- 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 041
- Established
- November 30, 1934
- Former names
- NexBank, SSB (2005-2020); Heritage Bank, SSB (2002-2005); Heritage Savings Bank, SSB (1999-2002)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 103
- Domestic deposits
- $11.05B
- Allowance for credit losses
- $38.7M
- Net charge-offs (YTD)
- $2.6M
- Average total assets
- $13.61B
- Average total loans
- $9.31B
- Average interest-bearing deposits
- $8.13B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29209
- Fed RSSD
- 652874
- Website
- www.nexbank.com →
- Parent Holding Company
- NEXBANK CAPITAL, INC. (RSSD 3823844)
- Ultimate Parent
- SLHC TRUST, THE (RSSD 4970802)
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
Over the 12 quarters to Q2 2026, NexBank's total assets ran between $13.44B (Q1 2026) and $16.00B (Q4 2023), 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
$14.16B total assets against $14.18B; $12.97B total liabilities against $12.89B.
$9.30B net loans and leases against $9.51B; $11.05B total deposits against $10.70B.
$2.48B securities against $2.90B; $1.15B cash and balances due against $751.0M.
$154.6M total interest income against $168.4M; $79.5M total interest expense against $93.0M.
$75.1M net interest income against $75.4M.
$11.6M total noninterest income against $25.4M; $46.0M total noninterest expense against $38.6M.
$1.3M provision for credit losses against $2.0M.
$28.7M net income against $46.1M.
0.84% return on assets against 1.34%; 2.42% net interest margin against 2.38%.
14.92% CET1 capital ratio against 15.28%; 9.07% tier 1 leverage ratio against 9.83%.
Inside the full NexBank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeNexBank rankings
Its closest position to the top of a national ranking is 132 of 4,196, for total assets; its furthest is 913 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.53% (Q4 2024) to 1.47% (Q3 2025) and its net interest margin ran from 1.85% (Q3 2024) to 2.42% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.92% | 0.84% | 1.47% | 14.48% | 2.42% |
| Q1 2026 | 15.17% | 1.32% | 1.23% | 12.44% | 2.32% |
| Q4 2025 | 14.62% | 0.69% | 1.22% | 12.07% | 2.29% |
| Q3 2025 | 15.41% | 1.47% | 1.30% | 11.45% | 2.42% |
| Q2 2025 | 15.28% | 1.34% | 1.53% | 10.57% | 2.38% |
| Q1 2025 | 15.40% | 1.31% | 1.09% | 6.80% | 2.17% |
| Q4 2024 | 14.93% | 0.53% | 1.54% | 9.56% | 2.23% |
| Q3 2024 | 14.68% | 0.67% | 1.32% | 8.40% | 1.85% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| Preston Center Branch | Dallas , TX | 75225 | $11.05B |
| NexBank (main office) | Dallas , TX | 75201 | $0 |
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 |
|---|---|---|---|
| December 1, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2015 | Structure Change | Acquired College Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
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.
- Enforcement actions
- 1 against the institution (OCC (former OTS)). These actions name the parent holding company, NEXBANK CAPITAL, INC., not the bank itself
- September 25, 2009, OCC (former OTS): Cease and Desist: Nexbank Capital, Inc
- Period: Most recent institution action September 25, 2009. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.7% of deposits in TX, rank 16 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 9,236 applications, 5,717 loans originated, $3.05B originated, across 49 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $3.4M approved, $3.4M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2019 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 NexBank
What are NexBank's total assets?
As of the Q2 2026 filing, NexBank reported total assets of $14.16 billion in its FFIEC call report.
Where is NexBank headquartered?
It is headquartered in Dallas, TX, United States.
When was NexBank founded?
It was established in 1934, per the FDIC institution directory.
Is NexBank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #29209). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates NexBank?
NexBank's primary federal regulator is the FDIC.
What is NexBank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.92% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does NexBank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is NexBank's Texas Ratio?
Its Texas Ratio is 14.48% 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 NexBank previously called?
The charter now named NexBank has also operated as NexBank, SSB (2005-2020), Heritage Bank, SSB (2002-2005), Heritage Savings Bank, SSB (1999-2002), per FDIC structure-change records.
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