NexBank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
NexBank, based in Dallas, Texas, reported $14.2 billion in assets at June 30, 2026. It keeps 2.42 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 127 banks with $10 billion to $100 billion in assets (median 3.63 cents). It also carries problem assets equal to 14.5% of the capital and reserves that would absorb them, 3.4 times the median of 4.2% for banks its size.
Earnings fell sharply: quarterly net income of $29 million was 38% below a year earlier. Over the same year, loans shrank 2.2% and deposits grew 3.3%. Profitability lags: it earns about $0.84 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.32).
As of June 30, 2026, NexBank reported a CET1 capital ratio of 14.92%, a return on assets of 0.84%, a nonperforming-loan ratio of 1.43% and a Texas ratio of 14.48%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 2515 Mckinney Ave, Dallas, TX 75201
- County
- Dallas
- Metro Area
- Dallas-Fort Worth-Arlington, TX
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- November 30, 1934
- Former names
- NexBank, SSB (2005-2020); Heritage Bank, SSB (2002-2005); Heritage Savings Bank, SSB (1999-2002)
- Offices
- 2 domestic
- Employees (FTE)
- 103
- Domestic deposits
- $11.05B
- Allowance for credit losses
- $38.7M
- Net charge-offs (YTD)
- $2.6M
- Average total assets
- $13.61B
- Average total loans
- $9.31B
- Average interest-bearing deposits
- $8.13B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29209
- Fed RSSD
- 652874
- Website
- www.nexbank.com →
- Parent Holding Company
- NEXBANK CAPITAL, INC. (RSSD 3823844)
- Ultimate Parent
- SLHC TRUST, THE (RSSD 4970802)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full NexBank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock NexBank, freeNexBank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.92% | 0.84% | 1.47% | 14.48% | 2.42% |
| Q1 2026 | 15.17% | 1.32% | 1.23% | 12.44% | 2.32% |
| Q4 2025 | 14.62% | 0.69% | 1.22% | 12.07% | 2.29% |
| Q3 2025 | 15.41% | 1.47% | 1.30% | 11.45% | 2.42% |
| Q2 2025 | 15.28% | 1.34% | 1.53% | 10.57% | 2.38% |
| Q1 2025 | 15.40% | 1.31% | 1.09% | 6.80% | 2.17% |
| Q4 2024 | 14.93% | 0.53% | 1.54% | 9.56% | 2.23% |
| Q3 2024 | 14.68% | 0.67% | 1.32% | 8.40% | 1.85% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 2 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Preston Center Branch | Dallas , TX | 75225 | $11.05B |
| NexBank (main office) | Dallas , TX | 75201 | $0 |
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.
| Date | Category | Event | Source |
|---|---|---|---|
| December 1, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2015 | Structure Change | Acquired College Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for NexBank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (OCC (former OTS)). These actions name the parent holding company, NEXBANK CAPITAL, INC., not the bank itself
- September 25, 2009, OCC (former OTS): Cease and Desist: Nexbank Capital, Inc
- Period: Most recent institution action September 25, 2009. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.7% of deposits in TX, rank 16 of 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 9,236 applications, 5,717 loans originated, $3.05B originated, across 49 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $3.4M approved, $3.4M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2019 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about NexBank
What are NexBank's total assets?
As of the Q2 2026 filing, NexBank reported total assets of $14.16 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is NexBank headquartered?
NexBank is headquartered in Dallas, TX, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was NexBank founded?
NexBank was established in 1934, per the FDIC institution directory.
Is NexBank FDIC-insured?
Yes. NexBank is an FDIC-insured commercial bank (FDIC Certificate #29209). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates NexBank?
NexBank'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 NexBank's CET1 capital ratio?
NexBank reported a Common Equity Tier 1 (CET1) capital ratio of 14.92% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does NexBank operate?
NexBank operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is NexBank's Texas Ratio?
NexBank's Texas Ratio is 14.48% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was NexBank previously called?
The charter now named NexBank has also operated as NexBank, SSB (2005-2020), Heritage Bank, SSB (2002-2005), Heritage Savings Bank, SSB (1999-2002), per FDIC structure-change records.
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