TellerScore

Texas Heritage National Bank is a national bank headquartered in Daingerfield, Texas, in business for about 134 years. At the end of Q2 2026 it reported $936.4M in total assets and $811.9M in deposits, with 6 offices.

Texas Heritage National Bank has a TellerScore of 59 out of 100 (moderate) based on Q2 2026 data — higher than only 17% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 305th. Problem-loan coverage contributes the most (79/100, 10.4%); funding & liquidity contributes the least (34/100, 98% loans-to-deposits, 41% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion52/100
Tier 1 leverage ratio: 10.17%
Loan quality58/100
Noncurrent loans ÷ total loans: 1.27%
Earnings77/100
Return on assets (annualized): 1.42%
Funding & liquidity34/100
Loans ÷ deposits and uninsured-deposit share: 97.7% · 40.5% uninsured
Problem-loan coverage79/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 10.44%

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 8 points (67 → 59), mostly because the loan quality component weakened by 37 points.

TellerScore
556370Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202469
Q4 202465
Q1 202570
Q2 202567
Q3 202564
Q4 202555
Q1 202655
Q2 202659
Tier 1 leverage ratio
5.00%7.59%10.17%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.82%
Q3 20249.87%
Q4 20249.05%
Q1 20259.42%
Q2 20259.25%
Q3 20259.28%
Q4 20259.56%
Q1 20269.94%
Q2 202610.17%
Noncurrent loans
0.01%0.70%1.39%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.01%
Q3 20240.03%
Q4 20240.02%
Q1 20250.01%
Q2 20250.14%
Q3 20250.51%
Q4 20251.39%
Q1 20261.39%
Q2 20261.27%
Return on assets
0.91%1.23%1.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.91%
Q3 20241.03%
Q4 20241.10%
Q1 20251.55%
Q2 20251.40%
Q3 20251.42%
Q4 20251.42%
Q1 20261.27%
Q2 20261.42%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202659$936.4M10.17%1.27%1.42%97.7%
Q1 202655$943.8M9.94%1.39%1.27%98.7%
Q4 202555$957.8M9.56%1.39%1.42%101.1%
Q3 202564$947.2M9.28%0.51%1.42%100.1%
Q2 202567$937.7M9.25%0.14%1.40%98.5%
Q1 202570$905.5M9.42%0.01%1.55%100.3%
Q4 202465$857.1M9.05%0.02%1.10%100.8%
Q3 202469$871.5M9.87%0.03%1.03%89.9%
Q2 202467$724.8M9.82%0.01%0.91%101.8%

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 ratio10.17%
35th
Total risk-based capital12.35%
54th
Problem loans1.27%
22nd
Net charge-offs0.04%
31st
Return on assets1.42%
61st
Net interest margin3.66%
35th
Efficiency ratio63.6%
46th
Loans to deposits97.7%
13th
Uninsured deposits40.5%
10th
Loan-loss reserves1.28%
60th
Texas ratio10.4%
17th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
NewFirst National BankBank El Campo, TX84 out of 100, Strong$934.9M12.5%0.21%vs
The First National Bank of GranburyBank Granbury, TX78 out of 100, Strong$946.3M12.1%0.78%vs
Western BankBank Lubbock, TX71 out of 100, Strong$947.2M9.8%0.31%vs
Texas BankBank Henderson, TX70 out of 100, Strong$953.9M10.6%0.46%vs
First National Bank and Trust Company of WeatherfordBank Weatherford, TX42 out of 100, Below average$968.3M10.4%5.51%vs
Transpecos Banks, SSBBank Pecos, TX14 out of 100, Low$972.1M6.7%8.15%vs

Deposit insurance

Is my money safe at Texas Heritage National Bank?

Yes. Texas Heritage National Bank is an FDIC-insured institution (FDIC certificate #3161). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 40.5% of deposits ($329.0M) 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 10.17%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.35% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

Texas Heritage National Bank lists 6 offices in 6 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Texas Heritage National Bank reported 98 home-loan applications under HMDA (LEI 5493004KLDVVA608R237): 77 originated ($30,705,000 total), 6 denied, and 14 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.1%, 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 Heritage National Bank
Former names
The National Bank of Daingerfield
Type
National bank
FDIC certificate #
3161
RSSD ID
824653
Primary regulator
OCC
Holding company
Daingerfield Holding Co
Established
January 1, 1892
Headquarters
107 Webb St, Daingerfield, TX 75638
Employees
113

Quick answers

Texas Heritage National Bank: common questions

Is Texas Heritage National Bank FDIC insured?

Yes. Texas Heritage National Bank is an FDIC-insured institution (FDIC certificate #3161). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Texas Heritage National Bank's TellerScore?

59 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 Heritage National Bank ever failed?

There is no failure record for FDIC certificate #3161 in the FDIC failed bank list.

How many branches does Texas Heritage National Bank have?

6 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Daingerfield

InstitutionScoreAssetsCapitalProblem loansCompare
East Texas Professional Credit UnionCredit union Longview, TX90 out of 100, Very strong$1.4B19.4%0.41%vs
The American National Bank of Mount PleasantBank Mount Pleasant, TX88 out of 100, Very strong$144.6M12.8%0.00%vs
Austin Bank, Texas National AssociationBank Jacksonville, TX88 out of 100, Very strong$3.3B15.1%0.60%vs
Community BankBank Longview, TX82 out of 100, Strong$315.5M11.9%0.00%vs
The City National Bank of Sulphur SpringsBank Sulphur Springs, TX78 out of 100, Strong$1.4B9.8%0.15%vs
First Federal Community Bank, SSBBank Paris, TX74 out of 100, Strong$603.6M13.1%0.75%vs