Texas Heritage National Bank
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Data as of · sourced from FFIEC call reports. How we update
Texas Heritage National Bank is an FDIC-insured commercial bank headquartered in Daingerfield, TX, established in 1892 (FDIC certificate 3161), and it is supervised by the OCC. At Q2 2026 it reported total assets of $936.4M, down 0.1% from Q2 2025, the 100th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 11.14% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3161
- Headquarters
- Daingerfield, TX
- Established
- 1892
- Total assets, Q2 2026
- $936.4M
- Assets vs Q2 2025
- -0.1%
- CET1 ratio, Q2 2026
- 11.14%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 111906501
- Latest call report
- Q2 2026, FFIEC 051 · Texas Heritage National Bank call report
- Holding company
- DAINGERFIELD HOLDING COMPANY
- Asset rank in state
- 100th of 346 in Texas
Problem loans are rising at Texas Heritage National Bank. Based in Daingerfield, Texas, it had $936 million in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.27% of loans from 0.14% a year earlier. It pays an average of 3.42% on its deposits and borrowings, about double the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. It also holds common equity equal to 11.14% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 15.12%).
Net income for the quarter rose 29% from a year earlier, to $3.7 million. The non-owner-occupied commercial real estate book ($157 million) is worsening: 1.97% of it is past due or on nonaccrual, up from 0.65% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.8 times its capital, 2.3 times the median of 1.2 times for banks its size.
As of June 30, 2026, Texas Heritage National Bank reported a CET1 capital ratio of 11.14%, a return on assets of 1.59%, a nonperforming-loan ratio of 1.27% and a Texas ratio of 10.44%. The figures come from its call report filed with the FFIEC.
Texas Heritage National Bank ranks as the 100th largest of the 346 banks based in Texas, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.8% to $936.4M, loans rose 0.8% and deposits rose 1.8%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 19.9% of total loans, followed by non-owner-occupied commercial real estate loans at 19.6%. The FDIC Summary of Deposits lists 6 offices for it, in 6 cities in TX; its Gilmer office books 45% of its branch deposits. By the capital ratios in its Q2 2026 call report, Texas Heritage National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 107 Webb St, Daingerfield, TX 75638
- County
- Morris
- Metro Area
- Mount Pleasant, TX
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1892
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 113
- Domestic deposits
- $811.9M
- Allowance for credit losses
- $10.3M
- Net charge-offs (YTD)
- $159K
- Average total assets
- $932.7M
- Average total loans
- $806.8M
- Average interest-bearing deposits
- $782.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3161
- Fed RSSD
- 824653
- SEC CIK
- 1910964 → filed by DAINGERFIELD HOLDING COMPANY
- Website
- www.thnb.bank →
- Parent Holding Company
- DAINGERFIELD HOLDING COMPANY (RSSD 3220836)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Texas Heritage National Bank's total assets ran between $608.6M (Q4 2023) and $959.9M (Q4 2025), 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
$936.4M total assets against $937.7M; $841.5M total liabilities against $853.4M.
$793.2M net loans and leases against $814.9M; $811.9M total deposits against $827.5M.
$2.5M securities against $5.1M; $112.9M cash and balances due against $92.2M.
$15.5M total interest income against $16.2M; $7.1M total interest expense against $7.7M.
$8.4M net interest income against $8.4M.
$2.1M total noninterest income against $1.5M; $6.5M total noninterest expense against $5.8M.
$265K provision for credit losses against $1.3M.
$3.7M net income against $2.9M.
1.59% return on assets against 1.26%; 3.67% net interest margin against 3.75%.
11.14% CET1 capital ratio against 9.90%; 10.17% tier 1 leverage ratio against 9.25%.
Inside the full Texas Heritage National 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 Heritage National Bank rankings
Its closest position to the top of a national ranking is 596 of 3,640, for Texas Ratio; its furthest is 1,927 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.23% (Q4 2024) to 1.59% (Q2 2026) and its net interest margin ran from 3.38% (Q3 2024) to 3.75% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.14% | 1.59% | 1.27% | 10.44% | 3.67% |
| Q1 2026 | 11.09% | 1.29% | 1.39% | 11.77% | 3.55% |
| Q4 2025 | 10.53% | 1.39% | 1.39% | 11.74% | 3.53% |
| Q3 2025 | 10.37% | 1.46% | 0.51% | 4.53% | 3.72% |
| Q2 2025 | 9.90% | 1.26% | 0.14% | 1.19% | 3.75% |
| Q1 2025 | 10.30% | 1.55% | 0.01% | 0.11% | 3.65% |
| Q4 2024 | 9.82% | 1.23% | 0.02% | 0.21% | 3.55% |
| Q3 2024 | 10.30% | 1.31% | 0.03% | 0.24% | 3.38% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 |
|---|---|---|---|
| Gilmer Branch | Gilmer , TX | 75644 | $364.9M |
| Sulphur Springs Branch | Sulphur Springs , TX | 75482 | $150.2M |
| Texas Heritage National Bank (main office) | Daingerfield , TX | 75638 | $97.3M |
| Dallas Branch Office | Farmers Branch , TX | 75244 | $84.0M |
| Omaha Branch | Omaha , TX | 75571 | $65.3M |
| Ore City Branch | Ore City , TX | 75683 | $50.2M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 4 against the institution (OCC); 6 against individuals associated with it
- May 8, 2025, OCC: Formal Agreement: Texas Heritage National Bank
- August 12, 2010, OCC: Formal Agreement: Texas Heritage National Bank
- April 21, 2004, OCC: Formal Agreement: The National Bank of Daingerfield
- August 15, 1990, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): The National Bank Of Daingerfield
- Period: Most recent institution action May 8, 2025. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 133 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 98 applications, 77 loans originated, $30.7M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $275K approved, $275K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2007 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 Heritage National Bank
What are Texas Heritage National Bank's total assets?
As of the Q2 2026 filing, Texas Heritage National Bank reported total assets of $936.4 million in its FFIEC call report.
Where is Texas Heritage National Bank headquartered?
It is headquartered in Daingerfield, TX, United States.
When was Texas Heritage National Bank founded?
It was established in 1892, per the FDIC institution directory.
Is Texas Heritage National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3161). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Texas Heritage National Bank?
Texas Heritage National Bank's primary federal regulator is the OCC.
What is Texas Heritage National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.14% in its Q2 2026 call report, above regulatory requirements.
How many branches does Texas Heritage National Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Texas Heritage National Bank's Texas Ratio?
Its Texas Ratio is 10.44% 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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