Texas Heritage National Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Brokered deposits to total deposits climbed 18.85 percentage points in Q2 2026, from 17.12% to 35.98%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Texas Heritage National Bank is 153rd of 345 on return on assets, 1.59% as of Q2 2026, above the middle of the field. Texas Heritage National Bank reported 1.59% on return on assets for Q2 2026, 0.34 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.14% |
| Tier 1 risk-based capital ratio | 11.14% |
| Total risk-based capital ratio | 12.35% |
| Tier 1 leverage ratio | 10.17% |
| Equity capital to assets | 10.14% |
| Tangible equity to tangible assets | 10.13% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.26% |
| Non-performing assets ratio | 1.17% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 10.44% |
| Allowance for credit losses to loans | 1.28% |
| Reserve coverage of non-performing loans | 101.43% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.59% |
| Return on equity | 15.79% |
| Net interest margin | 3.67% |
| Efficiency ratio | 62.22% |
| Yield on earning assets | 6.78% |
| Cost of funds | 3.42% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 98.96% |
| Core deposits to total deposits | 66.34% |
| Brokered deposits to total deposits | 35.98% |
| Deposits to assets | 86.71% |
| Securities to assets | 0.27% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 9.60% | 9.60% | 10.62% | 8.32% | 0.76% |
| Q4 2023 | 10.39% | 10.39% | 11.37% | 9.09% | 0.94% |
| Q1 2024 | 9.28% | 9.28% | 10.19% | 8.85% | 0.89% |
| Q2 2024 | 10.22% | 10.22% | 11.13% | 9.82% | 0.94% |
| Q3 2024 | 10.30% | 10.30% | 11.24% | 9.87% | 1.31% |
| Q4 2024 | 9.82% | 9.82% | 10.81% | 9.05% | 1.23% |
| Q1 2025 | 10.30% | 10.30% | 11.35% | 9.42% | 1.55% |
| Q2 2025 | 9.90% | 9.90% | 11.03% | 9.25% | 1.26% |
| Q3 2025 | 10.37% | 10.37% | 11.61% | 9.28% | 1.46% |
| Q4 2025 | 10.53% | 10.53% | 11.68% | 9.56% | 1.39% |
| Q1 2026 | 11.09% | 11.09% | 12.30% | 9.94% | 1.29% |
| Q2 2026 | 11.14% | 11.14% | 12.35% | 10.17% | 1.59% |
Texas Heritage National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Texas Heritage National Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Texas Heritage National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3161) · FFIEC NIC profile (RSSD 824653)