Texas Bank
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Data as of · sourced from FFIEC call reports. How we update
Texas Bank is an FDIC-insured commercial bank headquartered in Henderson, TX, established in 1973 (FDIC certificate 21074), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $953.9M, up 5.9% from Q2 2025, the 97th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.61% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 21074
- Headquarters
- Henderson, TX
- Established
- 1973
- Total assets, Q2 2026
- $953.9M
- Assets vs Q2 2025
- +5.9%
- Tier 1 leverage ratio, Q2 2026
- 10.61%
- Domestic offices
- 13 FDIC institution directory, current count
- Routing number
- 111904943
- Latest call report
- Q2 2026, FFIEC 051 · Texas Bank call report
- Holding company
- HENDERSON TEXAS BANCSHARES, INC.
- Asset rank in state
- 97th of 346 in Texas
Problem loans are rising at Texas Bank. The Henderson, Texas bank had $954 million in assets at June 30, 2026, up 5.9% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.46% of loans from 0.12% a year earlier. It holds commercial real estate loans worth 3.6 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 4.69 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.95 cents).
The non-owner-occupied commercial real estate book ($177 million) is worsening: 1.79% of it is past due or on nonaccrual, up from 0.43% a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $592,000 equal 1% of Tier 1 capital, down from 7% a year earlier. Funding is the softer spot: it pays an average of 2.31% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Texas Bank reported a return on assets of 1.18%, a nonperforming-loan ratio of 0.46% and a Texas ratio of 3.10%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, Texas Bank is the 97th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.1% to $953.9M, loans rose 2.1% and deposits fell 0.1%. The largest part of its loan book on June 30, 2026 was construction and land development loans, at 30.4% of total loans, ahead of 1-4 family residential loans at 25.3%. Its 12 offices in the FDIC Summary of Deposits are in 10 cities in TX; its Henderson 3 offices book 38% of its branch deposits. Judged on its Q2 2026 call report, Texas Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1120 Us Highway 79 N, Henderson, TX 75652
- County
- Rusk
- Metro Area
- Longview, 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
- May 5, 1973
- Domestic offices
- 13 FDIC institution directory, current count
- Employees (FTE)
- 194
- Domestic deposits
- $824.0M
- Allowance for credit losses
- $7.7M
- Net charge-offs (YTD)
- $1.8M
- Average total assets
- $955.4M
- Average total loans
- $682.3M
- Average interest-bearing deposits
- $635.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 5, 1973
- FDIC Cert
- 21074
- Fed RSSD
- 414764
- Website
- http://www.texasbnk.com →
- Parent Holding Company
- HENDERSON TEXAS BANCSHARES, INC. (RSSD 3385511)
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, Texas 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, Texas Bank's total assets ran between $820.7M (Q4 2023) and $953.9M (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
$953.9M total assets against $900.8M; $852.6M total liabilities against $814.7M.
$691.7M net loans and leases against $658.7M; $824.0M total deposits against $785.0M.
$158.2M securities against $145.2M; $52.6M cash and balances due against $49.6M.
$14.8M total interest income against $13.6M; $4.8M total interest expense against $4.8M.
$10.0M net interest income against $8.8M.
$1.3M total noninterest income against $2.3M; $7.6M total noninterest expense against $7.0M.
$928K provision for credit losses against $1.1M.
$2.8M net income against $3.0M.
1.18% return on assets against 1.36%; 4.69% net interest margin against 4.51%.
10.61% tier 1 leverage ratio against 10.47%.
Inside the full Texas 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).
Texas Bank rankings
Its closest position to the top of a national ranking is 1,073 of 4,196, for total assets; its furthest is 2,303 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.89% (Q1 2025) to 1.36% (Q2 2025) and its net interest margin ran from 4.12% (Q1 2025) to 4.69% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.61% | 1.18% | 0.46% | 3.10% | 4.69% |
| Q1 2026 | 10.57% | 1.19% | 0.36% | 2.46% | 4.40% |
| Q4 2025 | 10.28% | 1.16% | 0.28% | 1.87% | 4.60% |
| Q3 2025 | 10.16% | 1.16% | 0.22% | 1.91% | 4.54% |
| Q2 2025 | 10.47% | 1.36% | 0.12% | 4.21% | 4.51% |
| Q1 2025 | 10.52% | 0.89% | 2.84% | 19.60% | 4.12% |
| Q4 2024 | 10.33% | 1.00% | 0.21% | 1.53% | 4.21% |
| Q3 2024 | 10.50% | 1.29% | 0.15% | 1.05% | 4.13% |
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 |
|---|---|---|---|
| Texas Bank (main office) | Henderson , TX | 75652 | $237.7M |
| Prosper Branch | Prosper , TX | 75078 | $161.0M |
| Anna Branch | Anna , TX | 75409 | $85.0M |
| Van Alstyne Branch | Van Alstyne , TX | 75495 | $71.0M |
| Tatum Branch | Tatum , TX | 75691 | $54.8M |
| Convenience Center Branch | Henderson , TX | 75654 | $50.7M |
| Nacogdoches Branch | Nacogdoches , TX | 75961 | $44.6M |
| Rhones Quarter Rd. Branch | Tyler , TX | 75707 | $33.6M |
| New Frisco Branch | Frisco , TX | 75034 | $28.2M |
| Downtown Henderson Branch | Henderson , TX | 75654 | $26.8M |
| Longview Branch | Longview , TX | 75603 | $21.5M |
| Gunter Branch | Gunter , TX | 75058 | $9.0M |
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 |
|---|---|---|---|
| September 10, 2016 | Structure Change | Acquired Prosper Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 9, 2016 | 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 132 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 187 applications, 118 loans originated, $39.6M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $95K approved, $95K 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 Texas Bank
What are Texas Bank's total assets?
As of the Q2 2026 filing, Texas Bank reported total assets of $953.9 million in its FFIEC call report.
Where is Texas Bank headquartered?
It is headquartered in Henderson, TX, United States.
When was Texas Bank founded?
It was established in 1973, per the FDIC institution directory.
Is Texas Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #21074). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Texas Bank?
Texas Bank's primary federal regulator is the FDIC.
How many branches does Texas Bank operate?
It operates 13 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Texas Bank's Texas Ratio?
Its Texas Ratio is 3.10% 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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