Texas Bank (FDIC certificate #21074) is based in Henderson, Texas. Its Q2 2026 call report shows $953.9M in total assets and $824.0M in deposits and 13 offices.
Based on its Q2 2026 filing, Texas Bank scores 70/100, which we describe as strong. That is higher than only 43% of 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 223rd. Its strongest component is problem-loan coverage (94/100; 3.1%), and its lowest is capital cushion (56/100; 10.61%).
TellerScore · Q2 2026
Scorecard
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 3 points (73 → 70), mostly because the loan quality component weakened by 11 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 71 |
| Q3 2024 | 73 |
| Q4 2024 | 71 |
| Q1 2025 | 45 |
| Q2 2025 | 73 |
| Q3 2025 | 71 |
| Q4 2025 | 71 |
| Q1 2026 | 71 |
| Q2 2026 | 70 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.37% |
| Q3 2024 | 10.50% |
| Q4 2024 | 10.33% |
| Q1 2025 | 10.52% |
| Q2 2025 | 10.47% |
| Q3 2025 | 10.16% |
| Q4 2025 | 10.28% |
| Q1 2026 | 10.57% |
| Q2 2026 | 10.61% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.32% |
| Q3 2024 | 0.15% |
| Q4 2024 | 0.21% |
| Q1 2025 | 2.84% |
| Q2 2025 | 0.12% |
| Q3 2025 | 0.22% |
| Q4 2025 | 0.28% |
| Q1 2026 | 0.36% |
| Q2 2026 | 0.46% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.21% |
| Q3 2024 | 1.23% |
| Q4 2024 | 1.17% |
| Q1 2025 | 0.90% |
| Q2 2025 | 1.13% |
| Q3 2025 | 1.14% |
| Q4 2025 | 1.15% |
| Q1 2026 | 1.20% |
| Q2 2026 | 1.20% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 70 | $953.9M | 10.61% | 0.46% | 1.20% | 83.9% |
| Q1 2026 | 71 | $953.2M | 10.57% | 0.36% | 1.20% | 82.1% |
| Q4 2025 | 71 | $935.7M | 10.28% | 0.28% | 1.15% | 84.5% |
| Q3 2025 | 71 | $930.6M | 10.16% | 0.22% | 1.14% | 82.3% |
| Q2 2025 | 73 | $900.8M | 10.47% | 0.12% | 1.13% | 83.9% |
| Q1 2025 | 45 | $857.3M | 10.52% | 2.84% | 0.90% | 87.2% |
| Q4 2024 | 71 | $852.5M | 10.33% | 0.21% | 1.17% | 89.4% |
| Q3 2024 | 73 | $865.2M | 10.50% | 0.15% | 1.23% | 84.8% |
| Q2 2024 | 71 | $826.2M | 10.37% | 0.32% | 1.21% | 88.0% |
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).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Western BankBank Lubbock, TX | 71 out of 100, Strong | $947.2M | 9.8% | 0.31% | vs |
| The First National Bank of GranburyBank Granbury, TX | 78 out of 100, Strong | $946.3M | 12.1% | 0.78% | vs |
| First National Bank and Trust Company of WeatherfordBank Weatherford, TX | 42 out of 100, Below average | $968.3M | 10.4% | 5.51% | vs |
| Texas Heritage National BankBank Daingerfield, TX | 59 out of 100, Moderate | $936.4M | 10.2% | 1.27% | vs |
| Transpecos Banks, SSBBank Pecos, TX | 14 out of 100, Low | $972.1M | 6.7% | 8.15% | vs |
| NewFirst National BankBank El Campo, TX | 84 out of 100, Strong | $934.9M | 12.5% | 0.21% | vs |
Deposit insurance
Is my money safe at Texas Bank?
Yes. Texas Bank is an FDIC-insured institution (FDIC certificate #21074). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 28.5% of deposits ($234.6M) 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 10.61%, 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%).
13 locations
Branches
Texas Bank lists 12 offices in 10 cities. Most locations:
- Henderson, TX (3)
- Anna, TX (1)
- Frisco, TX (1)
- Gunter, TX (1)
- Longview, TX (1)
- Nacogdoches, TX (1)
- Prosper, TX (1)
- Tatum, TX (1)
- Tyler, TX (1)
- Van Alstyne, TX (1)
HMDA 2025
Mortgage lending
In 2025, Texas Bank reported 184 home-loan applications under HMDA (LEI 549300W6OBJ6KNM5Y833): 118 originated ($39,630,000 total), 29 denied, and 32 withdrawn or closed by the applicant. Its denial rate on decided applications was 19.1%, 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
- Texas Bank
- Former names
- Texas Bank of Tatum
- Type
- State-chartered bank
- FDIC certificate #
- 21074
- RSSD ID
- 414764
- Primary regulator
- FDIC
- Holding company
- Henderson Texas Bancshares Inc
- Established
- May 5, 1973
- Headquarters
- 1120 Us Highway 79 N, Henderson, TX 75652
- Website
- www.texasbnk.com
- Employees
- 194
Quick answers
Texas Bank: common questions
Is Texas Bank FDIC insured?
Yes. Texas Bank is an FDIC-insured institution (FDIC certificate #21074). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Texas Bank's TellerScore?
70 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 Texas Bank ever failed?
There is no failure record for FDIC certificate #21074 in the FDIC failed bank list.
How many branches does Texas Bank have?
13 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Henderson
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Eastman Credit UnionCredit union Kingsport, TN | 91 out of 100, Very strong | $10.2B | 14.9% | 0.31% | vs |
| East Texas Professional Credit UnionCredit union Longview, TX | 90 out of 100, Very strong | $1.4B | 19.4% | 0.41% | vs |
| Austin Bank, Texas National AssociationBank Jacksonville, TX | 88 out of 100, Very strong | $3.3B | 15.1% | 0.60% | vs |
| Community BankBank Longview, TX | 82 out of 100, Strong | $315.5M | 11.9% | 0.00% | vs |
| Altra Federal Credit UnionCredit union Onalaska, WI | 78 out of 100, Strong | $3.1B | 12.7% | 0.46% | vs |
| Texas Bank and Trust CompanyBank Longview, TX | 75 out of 100, Strong | $4.3B | 13.1% | 0.61% | vs |