Bank Safety Analysis
Texas Heritage Bank: final safety record
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Net interest margin climbed 0.51 percentage points in Q3 2025, from 4.94% to 5.46%. It was the largest change from Q2 2025 among the key lines here. From Q4 2022 to Q3 2025, Texas Heritage Bank's CET1 ratio ranged between 13.24% (Q1 2025) and 17.41% (Q4 2022) and its Texas ratio ranged between 0.50% (Q3 2025) and 2.63% (Q4 2022). Between Q3 2024 and Q3 2025, Texas Heritage Bank's CET1 ratio fell from 14.22% to 13.97%, nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 0.13% to 0.07%, Texas ratio fell from 0.96% to 0.50% and return on assets rose from 0.13% to 1.46%.
Data as of · sourced from FFIEC call reports. How we update
How does Texas Heritage Bank score on capital, credit and costs?
Peer cohort: $100M to $1B (2,757 banks) · Industry averages as of Q2 2026.
CET1 of 13.97% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 9.94% is above the 5% well-capitalized threshold.
Nonperforming loans at 0.07% are within industry-normal range.
Texas Ratio of 0.5% is well below the 100% historical failure threshold.
Efficiency ratio of 68.9% is inside the 75% pass line, though above the 65% level typical of lower-cost banks.
Does Texas Heritage Bank trip any risk screens?
Latest filing (Q3 2025), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 13.97% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 0.50% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 0.07% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 84.60% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 275.67% | Watch at 200%, concern at 300% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q3 2025 | 13.97% |
| Q2 2025 | 13.95% |
| Q1 2025 | 13.24% |
| Q4 2024 | 14.31% |
| Q3 2024 | 14.22% |
| Q2 2024 | 14.71% |
| Q1 2024 | 15.58% |
| Q4 2023 | 16.09% |
| Q3 2023 | 16.11% |
| Q2 2023 | 16.55% |
| Q1 2023 | 17.32% |
| Q4 2022 | 17.41% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2025 | 0.50% |
| Q2 2025 | 1.34% |
| Q1 2025 | 0.63% |
| Q4 2024 | 0.76% |
| Q3 2024 | 0.96% |
| Q2 2024 | 1.74% |
| Q1 2024 | 1.63% |
| Q4 2023 | 1.70% |
| Q3 2023 | 1.70% |
| Q2 2023 | 1.47% |
| Q1 2023 | 2.49% |
| Q4 2022 | 2.63% |
How have Texas Heritage Bank's safety ratios changed?
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Sep 30, 2025 | 13.97% | 0.07% | 0.50% | 1.46% |
| Jun 30, 2025 | 13.95% | 0.19% | 1.34% | 1.32% |
| Mar 31, 2025 | 13.24% | 0.08% | 0.63% | -2.05% |
| Dec 31, 2024 | 14.31% | 0.11% | 0.76% | -1.62% |
| Sep 30, 2024 | 14.22% | 0.13% | 0.96% | 0.13% |
| Jun 30, 2024 | 14.71% | 0.24% | 1.74% | 0.91% |
| Mar 31, 2024 | 15.58% | 0.25% | 1.63% | 0.87% |
| Dec 31, 2023 | 16.09% | 0.26% | 1.70% | 0.87% |
| Sep 30, 2023 | 16.11% | 0.24% | 1.70% | 1.07% |
| Jun 30, 2023 | 16.55% | 0.22% | 1.47% | 1.19% |
| Mar 31, 2023 | 17.32% | 0.40% | 2.49% | 1.11% |
| Dec 31, 2022 | 17.41% | 0.43% | 2.63% | 1.26% |
Where does this data come from?
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice.
FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 11903) · FFIEC NIC profile (RSSD 702359)
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