Texas Financial Bank
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Data as of · sourced from FFIEC call reports. How we update
Texas Financial Bank is an FDIC-insured commercial bank headquartered in Eden, TX, established in 1986 (FDIC certificate 26738), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $264.6M, up 44.2% from Q2 2025, the 230th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.72% 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
- 26738
- Headquarters
- Eden, TX
- Established
- 1986
- Total assets, Q2 2026
- $264.6M
- Assets vs Q2 2025
- +44.2%
- Tier 1 leverage ratio, Q2 2026
- 11.72%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 111310391
- Latest call report
- Q2 2026, FFIEC 051 · Texas Financial Bank call report
- Holding company
- PATRONS HOLDINGS, INC.
- Asset rank in state
- 230th of 346 in Texas
Problem loans are rising at Texas Financial Bank. The Eden, Texas bank had $265 million in assets at June 30, 2026, up 44.2% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.00% of loans from 0.00% a year earlier. It earns about $0.35 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also grew its loan book 70.5% over the year, 12.9 times the median of 5.5% for banks its size.
Earnings fell sharply: quarterly net income of $230,000 was 51% below a year earlier. Delinquency has appeared in its $32 million commercial and industrial book: 5.49% of those loans are past due or on nonaccrual, against almost none a year earlier. Costs are the weak spot: it spends about 80 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Texas Financial Bank reported a return on assets of 0.35%, a nonperforming-loan ratio of 1.00% and a Texas ratio of 5.03%. The figures come from its call report filed with the FFIEC.
Texas Financial Bank ranks as the 230th largest of the 346 banks based in Texas, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.4% to $264.6M, loans rose 10.7% and deposits rose 0.7%. Construction and land development loans made up 27.1% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 25.4%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities in TX; its Rankin office books 40% of its branch deposits. Judged on its Q2 2026 call report, Texas Financial Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 220 Jackson Street, Eden, TX 76837
- County
- Concho
- 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
- July 31, 1986
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 54
- Domestic deposits
- $223.6M
- Allowance for credit losses
- $1.9M
- Net charge-offs (YTD)
- $0
- Average total assets
- $261.2M
- Average total loans
- $142.8M
- Average interest-bearing deposits
- $139.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 31, 1986
- FDIC Cert
- 26738
- Fed RSSD
- 656658
- SEC CIK
- 2005766 → filed by PATRONS HOLDINGS, INC.
- Website
- www.texasfinancial.com →
- Parent Holding Company
- PATRONS HOLDINGS, INC. (RSSD 5861662)
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 Financial 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 Financial Bank's total assets ran between $124.0M (Q3 2023) and $264.6M (Q2 2026), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$264.6M total assets against $183.5M; $228.2M total liabilities against $157.2M.
$146.9M net loans and leases against $86.2M; $223.6M total deposits against $153.3M.
$54.8M securities against $59.2M; $41.2M cash and balances due against $23.3M.
$3.6M total interest income against $2.3M; $799K total interest expense against $227K.
$2.8M net interest income against $2.1M.
$460K total noninterest income against $419K; $2.8M total noninterest expense against $1.6M.
$173K provision for credit losses against $350K.
$230K net income against $474K.
0.35% return on assets against 1.15%; 4.71% net interest margin against 5.65%.
11.72% tier 1 leverage ratio against 11.87%.
Inside the full Texas Financial 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 are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Texas Financial Bank rankings
Its closest position to the top of a national ranking is 1,336 of 3,640, for Texas Ratio; its furthest is 3,365 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.29% (Q1 2026) to 1.90% (Q3 2024) and its net interest margin ran from 4.62% (Q1 2026) to 6.07% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.72% | 0.35% | 1.00% | 5.03% | 4.71% |
| Q1 2026 | 10.95% | 0.29% | 0.00% | 0.00% | 4.62% |
| Q4 2025 | 12.26% | 0.38% | 0.02% | 0.09% | 4.98% |
| Q3 2025 | 13.19% | 1.16% | 0.00% | 0.00% | 5.19% |
| Q2 2025 | 11.87% | 1.15% | 0.00% | 0.00% | 5.65% |
| Q1 2025 | 11.04% | 1.62% | 0.00% | 0.00% | 5.40% |
| Q4 2024 | 10.75% | 1.36% | 0.00% | 0.00% | 5.98% |
| Q3 2024 | 11.61% | 1.90% | 0.00% | 0.00% | 6.07% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| The First State Bank of RankinBranch | Rankin , TX | 79778 | $88.8M |
| Big Spring Branch | Big Spring , TX | 79720 | $52.5M |
| Big Lake Branch | Big Lake , TX | 76932 | $52.2M |
| Texas Financial Bank (main office) | Eden , TX | 76837 | $30.1M |
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 |
|---|---|---|---|
| October 16, 2001 | Structure Change | Acquired The First State Bank of Rankin Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 15, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 1986 | Structure Change | Acquired Eden State Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 31, 1986 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 282 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $321K approved, $160K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2020 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Financial Bank
What are Texas Financial Bank's total assets?
As of the Q2 2026 filing, Texas Financial Bank reported total assets of $264.6 million in its FFIEC call report.
Where is Texas Financial Bank headquartered?
It is headquartered in Eden, TX, United States.
When was Texas Financial Bank founded?
It was established in 1986, per the FDIC institution directory.
Is Texas Financial Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #26738). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Texas Financial Bank?
Texas Financial Bank's primary federal regulator is the FDIC.
How many branches does Texas Financial Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Texas Financial Bank's Texas Ratio?
Its Texas Ratio is 5.03% 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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