TellerScore

Headquartered in Henderson, Texas, Henderson Federal Savings Bank is a savings bank with $117.7M in total assets and $86.7M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1934.

Based on its Q2 2026 filing, Henderson Federal Savings Bank scores 60/100, which we describe as moderate. That is higher than only 19% of 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 304th. Its strongest component is capital cushion (100/100; 25.94%), and its lowest is loan quality (0/100; 3.49%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 25.94%
Loan quality0/100
Noncurrent loans ÷ total loans: 3.49%
Earnings62/100
Return on assets (annualized): 1.06%
Funding & liquidity66/100
Loans ÷ deposits and uninsured-deposit share: 93.9% · 5.2% uninsured
Problem-loan coverage81/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 9.69%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (59 → 60).

TellerScore
596876Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202476
Q4 202472
Q1 202561
Q2 202559
Q3 202559
Q4 202561
Q1 202660
Q2 202660
Tier 1 leverage ratio
5.00%15.47%25.94%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202425.88%
Q3 202425.80%
Q4 202425.81%
Q1 202525.84%
Q2 202525.61%
Q3 202525.87%
Q4 202525.84%
Q1 202625.80%
Q2 202625.94%
Noncurrent loans
1.29%2.88%4.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.31%
Q3 20241.29%
Q4 20241.60%
Q1 20252.85%
Q2 20254.08%
Q3 20254.46%
Q4 20253.32%
Q1 20263.14%
Q2 20263.49%
Return on assets
0.95%1.07%1.19%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.14%
Q3 20241.19%
Q4 20241.15%
Q1 20250.95%
Q2 20251.02%
Q3 20251.03%
Q4 20251.04%
Q1 20260.96%
Q2 20261.06%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202660$117.7M25.94%3.49%1.06%93.9%
Q1 202660$118.5M25.80%3.14%0.96%93.0%
Q4 202561$116.9M25.84%3.32%1.04%93.0%
Q3 202559$116.4M25.87%4.46%1.03%96.3%
Q2 202559$115.6M25.61%4.08%1.02%96.0%
Q1 202561$116.3M25.84%2.85%0.95%95.1%
Q4 202472$111.8M25.81%1.60%1.15%102.4%
Q3 202476$112.7M25.80%1.29%1.19%99.6%
Q2 202474$109.9M25.88%1.31%1.14%103.8%

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 ratio25.94%
98th
Total risk-based capital0.00%
24th
Problem loans3.49%
4th
Net charge-offs-0.00%
84th
Return on assets1.06%
37th
Net interest margin3.55%
30th
Efficiency ratio60.9%
55th
Loans to deposits93.9%
18th
Uninsured deposits5.2%
99th
Loan-loss reserves1.82%
90th
Texas ratio9.7%
19th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Lone Oak Bank, National AssociationBank Eldorado, TX67 out of 100, Moderate$119.6M15.3%3.08%vs
The Commercial BankBank Mason, TX79 out of 100, Strong$114.6M9.9%0.00%vs
The Lytle State Bank of Lytle, TexasBank Lytle, TX79 out of 100, Strong$114.6M14.6%0.53%vs
The First State BankBank Abernathy, TX68 out of 100, Moderate$121.4M13.5%2.13%vs
Stockmens National Bank in CotullaBank Cotulla, TX79 out of 100, Strong$124.1M10.6%0.00%vs
Dalhart Federal Savings & Loan Association, SSBBank Dalhart, TX69 out of 100, Moderate$126.3M11.4%0.16%vs

Deposit insurance

Is my money safe at Henderson Federal Savings Bank?

Yes. Henderson Federal Savings Bank is an FDIC-insured institution (FDIC certificate #29241). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 5.2% of deposits ($4.5M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 25.94%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Henderson Federal Savings Bank lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Henderson Federal Savings Bank
Former names
Henderson Savings and Loan Association; Henderson Federal Savings Association
Type
Savings bank
FDIC certificate #
29241
RSSD ID
849076
Primary regulator
OCC
Established
November 1, 1934
Headquarters
130 N Marshall St, Henderson, TX 75652
Employees
21

Quick answers

Henderson Federal Savings Bank: common questions

Is Henderson Federal Savings Bank FDIC insured?

Yes. Henderson Federal Savings Bank is an FDIC-insured institution (FDIC certificate #29241). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Henderson Federal Savings Bank's TellerScore?

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

Has Henderson Federal Savings Bank ever failed?

There is no failure record for FDIC certificate #29241 in the FDIC failed bank list.

How many branches does Henderson Federal Savings Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Henderson

InstitutionScoreAssetsCapitalProblem loansCompare
Eastman Credit UnionCredit union Kingsport, TN91 out of 100, Very strong$10.2B14.9%0.31%vs
East Texas Professional Credit UnionCredit union Longview, TX90 out of 100, Very strong$1.4B19.4%0.41%vs
Austin Bank, Texas National AssociationBank Jacksonville, TX88 out of 100, Very strong$3.3B15.1%0.60%vs
Altra Federal Credit UnionCredit union Onalaska, WI78 out of 100, Strong$3.1B12.7%0.46%vs
Texas Bank and Trust CompanyBank Longview, TX75 out of 100, Strong$4.3B13.1%0.61%vs
VeraBank, National AssociationBank Henderson, TX72 out of 100, Strong$4.6B11.0%0.96%vs