TellerScore

Harmony Bank (FDIC certificate #57922) is based in Dallas, Texas. Its Q2 2026 call report shows $855.3M in total assets and $707.7M in deposits and 12 offices.

Harmony Bank has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 61% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 162nd. Problem-loan coverage contributes the most (100/100, 0.1%); funding & liquidity contributes the least (43/100, 88% loans-to-deposits, 41% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion69/100
Tier 1 leverage ratio: 11.90%
Loan quality99/100
Noncurrent loans ÷ total loans: 0.02%
Earnings66/100
Return on assets (annualized): 1.16%
Funding & liquidity43/100
Loans ÷ deposits and uninsured-deposit share: 88.0% · 41.4% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.07%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 11 points (64 → 75), mostly because the capital cushion component improved by 18 points.

TellerScore
637178Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202467
Q3 202467
Q4 202464
Q1 202563
Q2 202564
Q3 202569
Q4 202575
Q1 202678
Q2 202675
Tier 1 leverage ratio
5.00%8.71%12.42%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202410.21%
Q3 20249.86%
Q4 202410.29%
Q1 202510.18%
Q2 202510.06%
Q3 202510.39%
Q4 202512.06%
Q1 202612.42%
Q2 202611.90%
Noncurrent loans
0.01%0.26%0.50%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.14%
Q3 20240.18%
Q4 20240.49%
Q1 20250.48%
Q2 20250.50%
Q3 20250.08%
Q4 20250.11%
Q1 20260.01%
Q2 20260.02%
Return on assets
0.59%0.92%1.25%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.74%
Q3 20240.77%
Q4 20240.76%
Q1 20250.59%
Q2 20250.86%
Q3 20250.93%
Q4 20251.00%
Q1 20261.25%
Q2 20261.16%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$855.3M11.90%0.02%1.16%88.0%
Q1 202678$816.6M12.42%0.01%1.25%89.4%
Q4 202575$837.9M12.06%0.11%1.00%84.7%
Q3 202569$814.5M10.39%0.08%0.93%86.1%
Q2 202564$824.7M10.06%0.50%0.86%88.4%
Q1 202563$822.8M10.18%0.48%0.59%90.6%
Q4 202464$784.5M10.29%0.49%0.76%87.5%
Q3 202467$816.1M9.86%0.18%0.77%81.5%
Q2 202467$822.7M10.21%0.14%0.74%82.0%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.90%
64th
Total risk-based capital15.98%
73rd
Problem loans0.02%
84th
Net charge-offs0.52%
5th
Return on assets1.16%
45th
Net interest margin5.02%
92nd
Efficiency ratio59.8%
57th
Loans to deposits88.0%
31st
Uninsured deposits41.4%
9th
Loan-loss reserves1.08%
36th
Texas ratio0.1%
87th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Texas National Bank of JacksonvilleBank Jacksonville, TX50 out of 100, Below average$852.4M10.1%1.03%vs
First Liberty BankBank Liberty, TX72 out of 100, Strong$873.2M10.1%0.42%vs
Bank of the WestBank Grapevine, TX74 out of 100, Strong$829.8M9.7%0.00%vs
Plains State BankBank Humble, TX59 out of 100, Moderate$828.4M16.5%4.41%vs
The First State BankBank Louise, TX61 out of 100, Moderate$895.2M10.6%2.16%vs
Titan Bank, N.A.Bank Mineral Wells, TX76 out of 100, Strong$896.1M9.2%0.54%vs

Deposit insurance

Is my money safe at Harmony Bank?

Yes. Harmony Bank is an FDIC-insured institution (FDIC certificate #57922). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 41.4% of deposits ($293.0M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.90%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.98% (benchmark: 10%).

Check how much of your own balance is covered

12 locations

Branches

Harmony Bank lists 12 offices in 8 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Harmony Bank reported 70 home-loan applications under HMDA (LEI 549300G7KW08JJ121L78): 46 originated ($27,920,000 total), 11 denied, and 12 withdrawn or closed by the applicant. Its denial rate on decided applications was 19.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Harmony Bank
Former names
Texas Brand Bank
Type
State-chartered bank
FDIC certificate #
57922
RSSD ID
3297490
Primary regulator
FDIC
Holding company
Harmony Bancshares Inc
Established
March 4, 2005
Headquarters
4161 Mckinney Ave, Dallas, TX 75204
Employees
99

Quick answers

Harmony Bank: common questions

Is Harmony Bank FDIC insured?

Yes. Harmony Bank is an FDIC-insured institution (FDIC certificate #57922). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Harmony Bank's TellerScore?

75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Harmony Bank ever failed?

There is no failure record for FDIC certificate #57922 in the FDIC failed bank list.

How many branches does Harmony Bank have?

12 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Dallas

InstitutionScoreAssetsCapitalProblem loansCompare
Lakeside BankBank Rockwall, TX92 out of 100, Very strong$389.2M14.4%0.00%vs
Light Commerce Credit UnionCredit union Houston, TX92 out of 100, Very strong$5.0M26.8%0.93%vs
Metro Medical Credit UnionCredit union Dallas, TX91 out of 100, Very strong$82.7M17.9%0.66%vs
Datcu Credit UnionCredit union Denton, TX89 out of 100, Very strong$1.8B17.2%0.13%vs
Seagoville Federal Credit UnionCredit union Seagoville, TX89 out of 100, Very strong$15.8M21.6%0.21%vs
International Bank of CommerceBank Oklahoma City, OK88 out of 100, Very strong$1.6B15.5%0.66%vs