Bank call report · Boerne, TX
Texas Heritage Bank Call Report
Filed for the quarter ended (Q3 2025) on the FFIEC 051. Source: FFIEC Central Data Repository.
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Texas Heritage Bank filed its latest call report for the quarter ended September 30, 2025 on the FFIEC 051. Below are its 209 reported line items, schedule by schedule (365 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
This is the last call report on file for Texas Heritage Bank; it has not filed for the most recent published quarter.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q3 2025 (September 30, 2025) |
| Federal Reserve RSSD ID | 702359 |
| FDIC certificate number | 11903 |
| Total assets | $227.1M |
Official Q3 2025 call report PDF (FFIEC) →
Texas Heritage Bank call report by schedule, Q3 2025
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (22 items)
About Schedule RC · Texas Heritage Bank balance sheet trends
| Line item | Code | Q3 2025 |
|---|---|---|
| Total assets | RCON2170 | $227.1M |
| Total liabilities, limited-life preferred stock, and equity capital | RCON3300 | $227.1M |
| Total liabilities and minority interest | RCON2948 | $199.1M |
| Total deposits | RCON2200 | $196.3M |
| Loans and leases, net of unearned income - totals | RCONB528 | $166.0M |
| Loans and leases, net of unearned income and allowance | RCONB529 | $164.2M |
| Total interest-bearing deposits in foreign and domestic offices | RCON6636 | $121.1M |
| Deposits, noninterest-bearing | RCON6631 | $75.1M |
| Interest-bearing balances | RCON0071 | $49.5M |
| Total equity capital | RCON3210 | $28.0M |
| Total equity capital including noncontrolling minority interests in consolidated subsidiaries | RCONG105 | $28.0M |
| Surplus | RCON3839 | $27.4M |
| Intangible assets | RCON2143 | $6.5M |
| Premises and fixed assets (including capitalized leases) | RCON2145 | $3.3M |
| Other liabilities, total | RCON2930 | $2.8M |
| Other assets | RCON2160 | $2.0M |
| Allowance for loan and lease losses | RCON3123 | $1.8M |
| Noninterest-bearing balances and currency and coin | RCON0081 | $1.6M |
| Undivided profits and capital reserves | RCON3632 | $447K |
| Common stock | RCON3230 | $200K |
| Federal funds sold | RCONB987 | $75K |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $39K |
Schedule RI: Income Statement (34 items)
About Schedule RI · Texas Heritage Bank income statement trends
| Line item | Code | Q3 2025 |
|---|---|---|
| Total interest income | RIAD4107 | $9.6M |
| Interest and fee income on loans, total | RIAD4010 | $8.1M |
| Net interest income | RIAD4074 | $7.7M |
| Total noninterest expense | RIAD4093 | $5.9M |
| Interest and fee income on all other loans secured by real estate | RIAD4436 | $5.0M |
| Salaries and employee benefits | RIAD4135 | $3.1M |
| Interest and fee income on loans secured by 1-4 family residential properties | RIAD4435 | $2.3M |
| Other noninterest expense | RIAD4092 | $2.2M |
| Provisions for credit losses on financial assets | RIADJJ33 | $2.0M |
| Provision for loan and lease losses | RIAD4230 | $1.9M |
| Total interest expense | RIAD4073 | $1.9M |
| Interest income on balances due from depository institutions | RIAD4115 | $1.5M |
| Interest expense, interest on deposits, nontransaction accounts, time deposits of 250000 or less | RIADHK03 | $957K |
| Total noninterest income | RIAD4079 | $632K |
| Expenses of premises and fixed assets | RIAD4217 | $622K |
| Savings deposits (including mmdas) | RIAD0093 | $530K |
| Interest and fee income on commercial and industrial loans | RIAD4012 | $451K |
| Income (loss) before applicable income taxes and discontinued operations | RIAD4301 | $447K |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $447K |
| Income (loss) before discontinued operations | RIAD4300 | $447K |
| Net income (loss) | RIAD4340 | $447K |
| Net income (loss) attributable to bank and noncontrolling minority interests | RIADG104 | $447K |
| Other noninterest income | RIADB497 | $388K |
| Interest expense, interest on deposits, nontransaction accounts, time deposits of more than 250000 | RIADHK04 | $369K |
| Service charges on deposit accounts in domestic offices | RIAD4080 | $244K |
| Loans to individuals for household, family, and other personal expenditures, other (includes single payment, installment, all student loans, and revolving credit plans other than credit cards) | RIADB486 | $165K |
| Interest and fee income on all other loans in domestic offices | RIAD4058 | $106K |
| Estimated income on tax-exempt loans and leases to states and political subdivisions in the U.S. | RIAD4313 | $79K |
| Other interest income | RIAD4518 | $28K |
| Interest on transaction accounts (NOW accounts, ats accounts, and telephone and preauthorized transfer accounts) | RIAD4508 | $8K |
| Interest and dividend income on securities, mortgage-backed securities | RIADB489 | $2K |
| Expense of federal funds purchased and securities sold under agreements to repurchase | RIAD4180 | $1K |
| If the reporting bank has restated its balance sheet as a result of applying push down accounting this calendar year, report the date of the bank's acquisition | RIAD9106 | 20,250,110 |
| Number of full time equivalent employees on payroll at end of current period | RIAD4150 | 37 |
Schedule RC-B: Securities (6 items)
About Schedule RC-B · Texas Heritage Bank securities trends
| Line item | Code | Q3 2025 |
|---|---|---|
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $39K |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $38K |
| Total amortized cost of available-for-sale securities | RCON1772 | $38K |
| Mortgage pass-through securities backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of over three months through 12 months | RCONA556 | $32K |
| Mortgage pass-through securities backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of three months or less | RCONA555 | $5K |
| Mortgage pass-through securities backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of over one year through three years | RCONA557 | $2K |
Schedule RC-C, Part I: Loans and Leases (31 items)
About Schedule RC-C, Part I · Texas Heritage Bank loans and leases trends
| Line item | Code | Q3 2025 |
|---|---|---|
| Total loans and leases, net of unearned income | RCON2122 | $166.0M |
| Pledged loans and leases | RCONG378 | $163.9M |
| Loans secured by other nonfarm nonresidential properties. | RCONF161 | $51.0M |
| All other loans secured by 1-4 family residential properties, secured by first liens | RCON5367 | $45.9M |
| All loans and leases other than closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over one year through three years | RCONA572 | $41.6M |
| Loans secured by owner occupied nonfarm nonresidential properties | RCONF160 | $38.5M |
| All loans and leases other than closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over three years through five years | RCONA573 | $30.1M |
| Closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over 15 years | RCONA569 | $20.3M |
| Fixed rate and floating rate loans and leases with a remaining maturity of one year or less | RCONA247 | $17.4M |
| All loans and leases other than closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over three months through 12 months | RCONA571 | $15.2M |
| All loans and leases other than closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of three months or less | RCONA570 | $13.3M |
| All loans and leases other than closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over five years through 15 years | RCONA574 | $12.9M |
| Commercial and industrial loans | RCON1766 | $8.9M |
| Closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over five years through 15 years | RCONA568 | $8.3M |
| All loans and leases other than closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over 15 years | RCONA575 | $6.9M |
| Closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over three years through five years | RCONA567 | $6.5M |
| Closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over one year through three years | RCONA566 | $6.1M |
| Loans secured by other construction loans and all land development and other land loans | RCONF159 | $5.8M |
| Real estate loans secured by multi-family (5 or more) residential properties | RCON1460 | $5.3M |
| Closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over three months through 12 months | RCONA565 | $3.3M |
| Loans secured by 1-4 family residential construction | RCONF158 | $2.4M |
| Real estate loans secured by farmland | RCON1420 | $1.8M |
| Loans to finance agricultural production and other loans to farmers | RCON1590 | $1.5M |
| Other consumer loans to individuals for household, family, and other personal expenditures (includes single payment, installment, and all student loans) | RCONK207 | $1.4M |
| Automobile loans to individuals for household, family, and other personal expenditures (i.e., consumer loans)(includes purchased paper) | RCONK137 | $1.3M |
| Closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of three months or less | RCONA564 | $1.3M |
| Obligations (other than securities and leases) of states and political subdivisions in the U.S. | RCON2107 | $1.1M |
| Revolving, open-end loans secured by 1-4 family residential properties and extended under lines of credit | RCON1797 | $735K |
| All other loans secured by 1-4 family residential properties, secured by junior liens | RCON5368 | $310K |
| Other loans | RCONJ464 | $24K |
| Loans to individuals for household, family, and other personal expenditures (i.e., consumer loans)(includes purchased paper), other revolving credit plans | RCONB539 | $5K |
Schedule RC-E: Deposit Liabilities (22 items)
About Schedule RC-E · Texas Heritage Bank deposit liabilities trends
| Line item | Code | Q3 2025 |
|---|---|---|
| Total nontransaction accounts (including mmda's) | RCON2385 | $100.3M |
| Total nontransaction accounts deposits of individuals, partnerships, and corporations | RCONB550 | $100.1M |
| Total transaction accounts | RCON2215 | $96.0M |
| Total transaction accounts - deposits of individuals, partnerships, and corporation | RCONB549 | $95.6M |
| Total demand deposits (see note below) | RCON2210 | $74.8M |
| Time deposits of 250000 or less with a remaining maturity of one year or less | RCONHK11 | $34.6M |
| Money market deposit accounts (mmda's) | RCON6810 | $33.1M |
| Components of total nontransaction accounts, total time deposits of $100,000 through $250,000 | RCONJ473 | $30.2M |
| Total reciprocal deposits | RCONJH83 | $24.5M |
| Maturity and repricing data for time depoits of 250000 or less, time deposits of 250000 or less with a remaining maturity or next repricing date of three months or less | RCONHK07 | $24.0M |
| Other nontransaction savings deposits (excludes mmda's) | RCON0352 | $16.1M |
| Components of total nontransaction accounts, total time deposits of more than $250,000 | RCONJ474 | $14.7M |
| Time deposits of more than $250,000 with a remaining maturity of one or year less | RCONK222 | $13.2M |
| Maturity and repricing data for time depoits of 250000 or less, time deposits of 250000 or less with a remaining maturity or next repricing date of over three months through 12 months | RCONHK08 | $10.6M |
| Maturity and repricing data for time depoits of more than 250000, time deposits of more than 250000 with a remaining maturity or next repricing date of three months or less | RCONHK12 | $9.3M |
| Total time deposits of less than $100,000 | RCON6648 | $6.2M |
| Maturity and repricing data for time depoits of more than 250000, time deposits of more than 250000 with a remaining maturity or next repricing date of over three months through 12 months | RCONHK13 | $3.9M |
| Individual retirement accounts (iras) and keogh plan accounts included in memorandum item 2.C, 'total time deposits of $100,000 or more,' above | RCONF233 | $2.0M |
| Maturity and repricing data for time depoits of 250000 or less, time deposits of 250000 or less with a remaining maturity or next repricing date of over one year through three years | RCONHK09 | $1.8M |
| Maturity and repricing data for time depoits of more than 250000, time deposits of more than 250000 with a remaining maturity or next repricing date of over one year through three years | RCONHK14 | $1.5M |
| Total transaction accounts - deposits of states and political subdivisions in the U.S. | RCON2203 | $367K |
| Total nontransaction accounts of states and political subdivisions in the U.S. | RCON2530 | $200K |
Schedule RC-F: Other Assets (3 items)
Schedule RC-G: Other Liabilities (4 items)
| Line item | Code | Q3 2025 |
|---|---|---|
| All other liabilities | RCON2938 | $1.9M |
| Other expenses accrued and unpaid | RCON3646 | $453K |
| Interest accrued and unpaid on deposits (in domestic offices) | RCON3645 | $350K |
| Allowance for credit losses on off-balance sheet credit exposures | RCONB557 | $152K |
Schedule RC-K: Quarterly Averages (14 items)
About Schedule RC-K · Texas Heritage Bank quarterly averages trends
| Line item | Code | Q3 2025 |
|---|---|---|
| Quarterly average of total assets | RCON3368 | $223.3M |
| Quarterly average of total loans | RCON3360 | $163.5M |
| Quarterly average of all other loans secured by real estate | RCON3466 | $101.8M |
| Nontransaction accounts in domestic offices, savings deposits | RCONB563 | $48.9M |
| Quarterly average of interest-bearing balances due from depository institutions | RCON3381 | $47.8M |
| Quarterly average of loans secured by 1-4 family residential properties | RCON3465 | $47.8M |
| Liabilities, nontransaction accounts, time deposits of 250000 or less | RCONHK16 | $36.2M |
| Transaction accounts (in domestic offices) (NOW accounts, ats accounts, and telephone and preauthorized transfer accounts) - quarterly average | RCON3485 | $24.9M |
| Liabilities, nontransaction accounts, time deposits of more than 250000 | RCONHK17 | $14.2M |
| Quarterly average of commercial and industrial loans | RCON3387 | $8.6M |
| Loans to individuals for household, family, and other personal expenditures, other | RCONB562 | $2.6M |
| Quarterly average of federal funds sold and securities purchased under agreements to resell | RCON3365 | $556K |
| Mortgage-backed securities | RCONB559 | $39K |
| Quarterly average of federal funds purchased and securities sold under agreements to repurchase | RCON3353 | $27K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (6 items)
About Schedule RC-L · Texas Heritage Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q3 2025 |
|---|---|---|
| Commercial real estate, other construction loan and land development loan commitments | RCONF165 | $10.2M |
| 1-4 family residential construction loan commitments | RCONF164 | $4.0M |
| All other off-balance sheet liabilities | RCON3430 | $3.4M |
| Other unused commitments, all other unused commitments | RCONJ459 | $3.3M |
| Other unused commitments, commercial and industrial loans | RCONJ457 | $2.9M |
| Commercial and similar letters of credit | RCON3411 | $612K |
Schedule RC-M: Memoranda (2 items)
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (14 items)
About Schedule RC-N · Texas Heritage Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q3 2025 |
|---|---|---|
| Total loans and lease financing receivables, past due 30-89 days and still accruing | RCON1406 | $160K |
| Closed-end loans secured by 1-4 family residential properties, secured by first liens-past due 30 thru 89 days and still accruing | RCONC236 | $122K |
| Total loans and lease finance receivables, nonaccrual | RCON1403 | $92K |
| Closed-end loans secured by 1-4 family residential properties, secured by first liens-nonaccural | RCONC229 | $40K |
| All other loans - past due 90 days or more and still accruing | RCON5460 | $25K |
| Total loans and lease financing receivables, past due 90 days or more and still accruing | RCON1407 | $25K |
| Commercial and industrial loans - nonaccrual | RCON1608 | $23K |
| Loans to individuals for household, family and other personal expenditures, automobile loans - past due 30 through 89 days and still accruing | RCONK213 | $14K |
| Loans secured by owner-occupied nonfarm nonresidential properties, nonaccrual | RCONF182 | $13K |
| All other loans - past due 30 through 89 days and still accruing | RCON5459 | $11K |
| Loans to individuals for household, family and other personal expenditures, other - past due 30 through 89 days and still accruing | RCONK216 | $10K |
| All other loans - nonaccrual | RCON5461 | $8K |
| Loans to individuals for household, family and other personal expenditures, other - nonaccrual | RCONK218 | $8K |
| Commercial and industrial loans - past due 30-89 days and still accruing | RCON1606 | $3K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Texas Heritage Bank other data for deposit insurance assessments trends
| Line item | Code | Q3 2025 |
|---|---|---|
| Average consolidated total assets for the calendar quarter | RCONK652 | $223.3M |
| Total deposit liabilities as defined in section 3(1) of the federal deposit insurance act before exclusions | RCONF236 | $196.6M |
| Amount of deposit accounts (excluding retirement accounts) of $250,000 or less | RCONF049 | $123.7M |
| Amount of deposit accounts (excluding retirement accounts) of more than $250,000 | RCONF051 | $69.9M |
| Average tangible equity for the calendar quarter | RCONK654 | $21.5M |
| Amount of retirement deposits accounts of $250,000 or less | RCONF045 | $2.0M |
| Amount of retirement deposit accounts of more than $250,000 | RCONF047 | $990K |
| Number of deposit accounts (excluding retirement accounts)of $250,000 or less | RCONF050 | 5,063 |
| Number of deposit accounts (excluding retirement accounts) of more than $250,000 | RCONF052 | 127 |
| Number of retirement deposit accounts of $250,000 or less | RCONF046 | 52 |
| Number of retirement deposit accounts of more than $250,000 | RCONF048 | 3 |
| Averaging method used | RCONK653 | 1 |
Schedule RC-R: Regulatory Capital (2 items)
About Schedule RC-R · Texas Heritage Bank regulatory capital trends
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (21 items)
About Schedule RC-R, Part I · Texas Heritage Bank regulatory capital components and ratios trends
| Line item | Code | Q3 2025 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $223.3M |
| Average total assets (net of deductions) | RCOAA224 | $216.8M |
| Risk-weighted assets (net of allowances and other deductions) | RCOAA223 | $154.3M |
| Common equity tier 1 capital before adjustments and deductions | RCOAP840 | $28.0M |
| Common equity tier 1 capital, common stock plus related surplus, net of treasury stock and unearned employee stock ownership plan (ESOP) shares | RCOAP742 | $27.6M |
| Total qualifying capital allowable under the risk-based capital guidelines | RCOA3792 | $23.5M |
| Common equity tier 1 capital | RCOAP859 | $21.5M |
| Subtotal of common equity tier 1 capital, adjustments and deductions | RCOAP852 | $21.5M |
| Tier 1 capital allowable under the risk-based capital guidelines | RCOA8274 | $21.5M |
| Intangible assets (other than goodwill and mortgage servicing assets (msas)), net of associated dtls | RCOAP842 | $6.5M |
| Less, deductions from common equity tier 1 capital and additional tier 1 capital (sum of items 6, 7, 8, 10.B, 11, 13 through 17 and certain elements of item 24 - see instructions) | RCOAP875 | $6.5M |
| General loan and lease valuation allowances | RCOA5310 | $1.9M |
| Tier 2 (supplementary) capital | RCOA5311 | $1.9M |
| Tier 2 capital before deductions | RCOAP870 | $1.9M |
| Retained Earnings | RCOAKW00 | $447K |
| A. AOCI opt-out election (enter '1' for yes, enter '0' for no.) | RCOAP838 | 1 |
| Total risk-based capital ratio | RCOA7205 | 0.1522 |
| Common equity tier 1 capital ratio | RCOAP793 | 0.1397 |
| Tier 1 risk-based capital ratio | RCOA7206 | 0.1397 |
| Tier 1 leverage capital ratio | RCOA7204 | 0.0994 |
| Institution-specific capital buffer necessary to avoid limitations on distributions and discretionary bonus payments, capital conservation buffer | RCOAH311 | 0.0722 |
Schedule RC-R, Part II: Risk-Weighted Assets (2 items)
About Schedule RC-R, Part II · Texas Heritage Bank risk-weighted assets trends
Schedule RI-A: Changes in Bank Equity Capital (4 items)
| Line item | Code | Q3 2025 |
|---|---|---|
| Total equity capital | RIAD3210 | $28.0M |
| Balance end of previous calendar year as restated | RIADB508 | $21.4M |
| Equity capital, most recently reported for the end of previous calendar year (i.e., after adjustments from amended reports of income) | RIAD3217 | $21.4M |
| Changes incident to business combinations, net | RIAD4356 | $6.2M |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (4 items)
About Schedule RI-B, Part I · Texas Heritage Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q3 2025 |
|---|---|---|
| Charge-offs all other (includes single payment, installment, all student loans, and revolving credit plans other than credit cards) | RIADK205 | $27K |
| Charge-offs on allowance for loan and lease losses | RIAD4635 | $27K |
| Recoveries all other (includes single payment, installment, all student loans, and revolving credit plans other than credit cards) | RIADK206 | $1K |
| Recoveries on allowance for loan and lease losses | RIAD4605 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (5 items)
About Schedule RI-B, Part II · Texas Heritage Bank changes in allowances for credit losses trends
| Line item | Code | Q3 2025 |
|---|---|---|
| Allowance for loan and lease losses | RIAD3123 | $1.8M |
| Adjustments | RIADC233 | -$1.7M |
| Balance most recently reported for the december 31, 2000, reports of condition and income(i.e., after adjustments from amended report of income) | RIADB522 | $1.7M |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | $152K |
| Charge-offs on allowance for loan and lease losses | RIADC079 | $27K |
Schedule RI-E: Explanations (1 item)
| Line item | Code | Q3 2025 |
|---|---|---|
| First itemized adjustment to allowance for loan and lease losses (4815) | RIAD4521 | -$1.7M |
Texas Heritage Bank call reports on file
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Texas Heritage Bank financial reports and ratios →
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Regulator records: FDIC BankFind (cert 11903) · FFIEC NIC profile (RSSD 702359)