TellerScore

Headquartered in Eden, Texas, Texas Financial Bank is a state-chartered bank with $264.6M in total assets and $223.6M in deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1986.

Based on its Q2 2026 filing, Texas Financial Bank scores 61/100, which we describe as moderate. That is higher than only 20% of 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 294th. Its strongest component is problem-loan coverage (92/100; 3.9%), and its lowest is earnings (33/100; 0.33%).

TellerScore · Q2 2026

Scorecard

Capital cushion67/100
Tier 1 leverage ratio: 11.72%
Loan quality67/100
Noncurrent loans ÷ total loans: 1.00%
Earnings33/100
Return on assets (annualized): 0.33%
Funding & liquidity57/100
Loans ÷ deposits and uninsured-deposit share: 65.7% · 48.6% uninsured
Problem-loan coverage92/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.88%

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 20 points (81 → 61), mostly because the earnings component weakened by 40 points.

TellerScore
617282Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202473
Q3 202476
Q4 202474
Q1 202580
Q2 202581
Q3 202582
Q4 202577
Q1 202668
Q2 202661
Tier 1 leverage ratio
5.00%9.09%13.19%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202412.09%
Q3 202411.61%
Q4 202410.75%
Q1 202511.04%
Q2 202511.87%
Q3 202513.19%
Q4 202512.26%
Q1 202610.95%
Q2 202611.72%
Noncurrent loans
0.00%0.50%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.02%
Q1 20260.00%
Q2 20261.00%
Return on assets
0.27%0.93%1.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.27%
Q3 20240.83%
Q4 20240.98%
Q1 20251.59%
Q2 20251.32%
Q3 20251.26%
Q4 20251.01%
Q1 20260.30%
Q2 20260.33%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202661$264.6M11.72%1.00%0.33%65.7%
Q1 202668$260.8M10.95%0.00%0.30%59.7%
Q4 202577$234.6M12.26%0.02%1.01%59.3%
Q3 202582$217.3M13.19%0.00%1.26%51.3%
Q2 202581$183.5M11.87%0.00%1.32%56.2%
Q1 202580$159.7M11.04%0.00%1.59%43.5%
Q4 202474$161.9M10.75%0.00%0.98%40.0%
Q3 202476$142.3M11.61%0.00%0.83%33.1%
Q2 202473$136.0M12.09%0.00%0.27%26.3%

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 ratio11.72%
61st
Total risk-based capital0.00%
24th
Problem loans1.00%
28th
Net charge-offs0.00%
68th
Return on assets0.33%
8th
Net interest margin4.85%
89th
Efficiency ratio78.2%
16th
Loans to deposits65.7%
76th
Uninsured deposits48.6%
5th
Loan-loss reserves1.31%
63rd
Texas ratio3.9%
42nd

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of DeSoto, National AssociationBank De Soto, TX70 out of 100, Strong$264.6M10.1%0.98%vs
Anahuac National BankBank Anahuac, TX68 out of 100, Moderate$266.4M10.1%0.37%vs
Guadalupe BankBank Kerrville, TX74 out of 100, Strong$261.1M9.9%0.00%vs
First Texas BankBank Lampasas, TX81 out of 100, Strong$259.7M10.1%0.00%vs
Castroville State BankBank Castroville, TX76 out of 100, Strong$269.7M10.9%0.00%vs
Farmers and Merchants BankBank De Leon, TX85 out of 100, Very strong$269.8M12.0%0.00%vs

Deposit insurance

Is my money safe at Texas Financial Bank?

Yes. Texas Financial Bank is an FDIC-insured institution (FDIC certificate #26738). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 48.6% of deposits ($108.6M) 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 11.72%, 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

5 locations

Branches

Texas Financial Bank lists 4 offices in 4 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Texas Financial Bank
Former names
The Eden State Bank
Type
State-chartered bank
FDIC certificate #
26738
RSSD ID
656658
Primary regulator
FDIC
Holding company
Patrons Holdings Inc
Established
July 31, 1986
Headquarters
220 Jackson Street, Eden, TX 76837
Employees
54

Quick answers

Texas Financial Bank: common questions

Is Texas Financial Bank FDIC insured?

Yes. Texas Financial Bank is an FDIC-insured institution (FDIC certificate #26738). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Texas Financial Bank's TellerScore?

61 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 Texas Financial Bank ever failed?

There is no failure record for FDIC certificate #26738 in the FDIC failed bank list.

How many branches does Texas Financial Bank have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Eden

InstitutionScoreAssetsCapitalProblem loansCompare
Menard BankBank Menard, TX87 out of 100, Very strong$90.7M12.7%0.00%vs
Avana BankBank Abilene, TX79 out of 100, Strong$39.6M17.5%0.00%vs
First State BankBank Paint Rock, TX78 out of 100, Strong$174.3M14.1%1.90%vs