Texas Heritage Bank
Operating from Boerne, TX, Texas Heritage Bank serves its local market as an FDIC-insured commercial bank. As of Q3 2025, the bank held approximately $227M in total assets and $196M in deposits. Profitability is strong — 1.46% ROA, paired with 11.79% ROE and a 5.44% net interest margin. Capital is comfortably above regulatory minimums — CET1 ratio of 13.97% sits well above the 7% well-capitalized threshold. Asset quality is pristine — 0.06% NPLs and a 0.50% Texas Ratio. It operates 3 branches, primarily in Texas.
Headquarters Profile
- Address
- 1208 S Main St, Boerne, TX 78006
- County
- Kendall
- Metro Area
- ABILENE, TX
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 13
- Established
- October 23, 1931
- Branches
- 3 domestic
- Employees (FTE)
- 37
- FDIC Cert
- 11903
- Fed RSSD
- 702359
Capital & Liquidity
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Texas Heritage Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 4 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Similar banks
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Frequently asked about Texas Heritage Bank
What are Texas Heritage Bank's total assets?
As of the Q1 2026 filing, Texas Heritage Bank reported total assets of $227.1 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Texas Heritage Bank headquartered?
Texas Heritage Bank is headquartered in Boerne, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Texas Heritage Bank founded?
Texas Heritage Bank was established in 1931, per the FDIC institution directory.
Is Texas Heritage Bank FDIC-insured?
Yes. Texas Heritage Bank is an FDIC-insured commercial bank (FDIC Certificate #11903). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Texas Heritage Bank?
Texas Heritage Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Texas Heritage Bank's CET1 capital ratio?
Texas Heritage Bank reported a Common Equity Tier 1 (CET1) capital ratio of 13.97% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Texas Heritage Bank operate?
Texas Heritage Bank operates 3 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Texas Heritage Bank's Texas Ratio?
Texas Heritage Bank's Texas Ratio is 0.50% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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