TellerScore

NexBank (FDIC certificate #29209) is based in Dallas, Texas. Its Q2 2026 call report shows $14.2B in total assets and $11.0B in deposits and 2 offices.

Based on its Q2 2026 filing, NexBank scores 56/100, which we describe as moderate. That is higher than only 15% of 132 banks with $10 billion – $100 billion. Among 349 banks headquartered in Texas, it ranks 315th. Its strongest component is funding & liquidity (76/100; 84% loans-to-deposits, 13% uninsured), and its lowest is capital cushion (41/100; 9.07%).

TellerScore · Q2 2026

Scorecard

Capital cushion41/100
Tier 1 leverage ratio: 9.07%
Loan quality51/100
Noncurrent loans ÷ total loans: 1.47%
Earnings62/100
Return on assets (annualized): 1.05%
Funding & liquidity76/100
Loans ÷ deposits and uninsured-deposit share: 84.2% · 13.0% uninsured
Problem-loan coverage71/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 14.46%

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 fell 4 points (60 → 56), mostly because the earnings component weakened by 10 points.

TellerScore
566064Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202458
Q3 202456
Q4 202456
Q1 202564
Q2 202560
Q3 202562
Q4 202560
Q1 202660
Q2 202656
Tier 1 leverage ratio
5.00%7.41%9.83%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.59%
Q3 20249.07%
Q4 20249.80%
Q1 20259.80%
Q2 20259.83%
Q3 20259.56%
Q4 20259.27%
Q1 20269.29%
Q2 20269.07%
Noncurrent loans
1.09%1.32%1.54%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.11%
Q3 20241.32%
Q4 20241.54%
Q1 20251.09%
Q2 20251.53%
Q3 20251.30%
Q4 20251.22%
Q1 20261.23%
Q2 20261.47%
Return on assets
0.85%1.09%1.33%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.06%
Q3 20240.95%
Q4 20240.85%
Q1 20251.30%
Q2 20251.31%
Q3 20251.33%
Q4 20251.17%
Q1 20261.27%
Q2 20261.05%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202656$14.2B9.07%1.47%1.05%84.2%
Q1 202660$13.4B9.29%1.23%1.27%89.3%
Q4 202560$13.9B9.27%1.22%1.17%87.5%
Q3 202562$14.4B9.56%1.30%1.33%82.3%
Q2 202560$14.2B9.83%1.53%1.31%88.9%
Q1 202564$13.9B9.80%1.09%1.30%83.9%
Q4 202456$13.9B9.80%1.54%0.85%87.9%
Q3 202456$13.8B9.07%1.32%0.95%86.8%
Q2 202458$15.3B8.59%1.11%1.06%81.7%

132 peers · $10 billion – $100 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 ratio9.07%
21st
Total risk-based capital15.39%
71st
Problem loans1.47%
14th
Net charge-offs0.06%
69th
Return on assets1.05%
32nd
Net interest margin2.31%
11th
Efficiency ratio50.8%
63rd
Loans to deposits84.2%
56th
Uninsured deposits13.0%
85th
Loan-loss reserves0.41%
11th
Texas ratio14.5%
6th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
First Financial BankBank Abilene, TX76 out of 100, Strong$15.2B11.6%0.77%vs
PlainsCapital BankBank University Park, TX57 out of 100, Moderate$12.7B9.7%1.03%vs
Sunflower Bank, National AssociationBank Dallas, TX51 out of 100, Below average$15.7B10.3%1.63%vs
Charles Schwab Trust BankBank Westlake, TX88 out of 100, Very strong$10.5B10.9%0.00%vs
Amarillo National BankBank Amarillo, TX62 out of 100, Moderate$10.4B10.7%1.54%vs
International Bank of CommerceBank Laredo, TX69 out of 100, Moderate$10.2B19.0%2.21%vs

Deposit insurance

Is my money safe at NexBank?

Yes. NexBank is an FDIC-insured institution (FDIC certificate #29209). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 13.0% of deposits ($1.4B) are above the $250,000 FDIC insurance limit, below the peer median of 38%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.07%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.39% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

NexBank lists 2 offices in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, NexBank reported 7,687 home-loan applications under HMDA (LEI 549300NWBS6MQJX15N44): 5,717 originated ($3,046,925,000 total), 879 denied, and 967 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.1%, 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
NexBank
Former names
NexBank, SSB; Heritage Savings Bank, SSB; Heritage Bank, SSB; Terrell Federal Savings and Loan Association
Type
State-chartered bank
FDIC certificate #
29209
RSSD ID
652874
Primary regulator
FDIC
Holding company
Slhc Trust the
Established
November 30, 1934
Headquarters
2515 Mckinney Ave, Dallas, TX 75201
Employees
103

Quick answers

NexBank: common questions

Is NexBank FDIC insured?

Yes. NexBank is an FDIC-insured institution (FDIC certificate #29209). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is NexBank's TellerScore?

56 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 NexBank ever failed?

There is no failure record for FDIC certificate #29209 in the FDIC failed bank list.

How many branches does NexBank have?

2 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