TellerScore

Worthington Bank is a state-chartered bank (fed member) headquartered in Arlington, Texas, in business for about 24 years. At the end of Q2 2026 it reported $655.4M in total assets and $589.4M in deposits, with 5 offices.

Worthington Bank has a TellerScore of 67 out of 100 (moderate) based on Q2 2026 data — higher than only 34% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 249th. Problem-loan coverage contributes the most (98/100, 1.2%); capital cushion contributes the least (43/100, 9.31%).

TellerScore · Q2 2026

Scorecard

Capital cushion43/100
Tier 1 leverage ratio: 9.31%
Loan quality95/100
Noncurrent loans ÷ total loans: 0.16%
Earnings67/100
Return on assets (annualized): 1.16%
Funding & liquidity45/100
Loans ÷ deposits and uninsured-deposit share: 83.3% · 43.9% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.17%

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 rose 3 points (64 → 67), mostly because the earnings component improved by 9 points.

TellerScore
596468Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202462
Q4 202461
Q1 202563
Q2 202564
Q3 202567
Q4 202568
Q1 202666
Q2 202667
Tier 1 leverage ratio
5.00%7.29%9.59%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.44%
Q3 20248.59%
Q4 20248.41%
Q1 20258.51%
Q2 20258.75%
Q3 20259.41%
Q4 20259.59%
Q1 20269.41%
Q2 20269.31%
Noncurrent loans
0.00%0.16%0.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.02%
Q3 20240.01%
Q4 20240.01%
Q1 20250.00%
Q2 20250.00%
Q3 20250.11%
Q4 20250.08%
Q1 20260.32%
Q2 20260.16%
Return on assets
0.37%0.78%1.20%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.37%
Q3 20240.47%
Q4 20240.55%
Q1 20250.78%
Q2 20250.96%
Q3 20251.07%
Q4 20251.20%
Q1 20261.19%
Q2 20261.16%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$655.4M9.31%0.16%1.16%83.3%
Q1 202666$651.2M9.41%0.32%1.19%83.0%
Q4 202568$611.4M9.59%0.08%1.20%88.0%
Q3 202567$610.1M9.41%0.11%1.07%87.0%
Q2 202564$587.3M8.75%0.00%0.96%89.6%
Q1 202563$636.8M8.51%0.00%0.78%78.9%
Q4 202461$612.8M8.41%0.01%0.55%80.4%
Q3 202462$595.0M8.59%0.01%0.47%81.1%
Q2 202459$590.8M8.44%0.02%0.37%84.8%

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 ratio9.31%
17th
Total risk-based capital13.61%
60th
Problem loans0.16%
68th
Net charge-offs0.01%
45th
Return on assets1.16%
45th
Net interest margin4.28%
69th
Efficiency ratio60.2%
56th
Loans to deposits83.3%
42nd
Uninsured deposits43.9%
7th
Loan-loss reserves1.05%
33rd
Texas ratio1.2%
67th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Classic Bank, National AssociationBank Cameron, TX68 out of 100, Moderate$657.5M11.6%1.26%vs
Wellington State BankBank Wellington, TX43 out of 100, Below average$659.7M9.5%5.27%vs
Community Bank & Trust, Waco, TexasBank Waco, TX90 out of 100, Very strong$649.1M15.5%0.21%vs
First Community BankBank Corpus Christi, TX74 out of 100, Strong$662.8M12.4%0.67%vs
Dominion BankBank Dallas, TX62 out of 100, Moderate$647.4M11.2%0.73%vs
TXN BankBank Hondo, TX64 out of 100, Moderate$669.2M9.7%0.98%vs

Deposit insurance

Is my money safe at Worthington Bank?

Yes. Worthington Bank is an FDIC-insured institution (FDIC certificate #57414). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 43.9% of deposits ($258.8M) 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 9.31%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.61% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

Worthington Bank lists 5 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Worthington Bank reported 44 home-loan applications under HMDA (LEI 254900JWLQKPGK4C0B30): 30 originated ($18,330,000 total), 5 denied, and 9 withdrawn or closed by the applicant. Its denial rate on decided applications was 14.3%, 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
Worthington Bank
Former names
Worthington National Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
57414
RSSD ID
3150205
Primary regulator
FED
Holding company
Bancfirst Corp
Established
November 21, 2002
Headquarters
200 W Main St, Arlington, TX 76010
Employees
80

Quick answers

Worthington Bank: common questions

Is Worthington Bank FDIC insured?

Yes. Worthington Bank is an FDIC-insured institution (FDIC certificate #57414). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Worthington Bank's TellerScore?

67 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 Worthington Bank ever failed?

There is no failure record for FDIC certificate #57414 in the FDIC failed bank list.

How many branches does Worthington Bank have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Arlington

InstitutionScoreAssetsCapitalProblem loansCompare
Fort Worth City Credit UnionCredit union Fort Worth, TX93 out of 100, Very strong$336.8M13.1%0.03%vs
Light Commerce Credit UnionCredit union Houston, TX92 out of 100, Very strong$5.0M26.8%0.93%vs
Lakeside BankBank Rockwall, TX92 out of 100, Very strong$389.2M14.4%0.00%vs
Metro Medical Credit UnionCredit union Dallas, TX91 out of 100, Very strong$82.7M17.9%0.66%vs
Ben E Keith Company Employees Federal Credit UnionCredit union Fort Worth, TX89 out of 100, Very strong$11.9M20.9%1.07%vs
First National Bank of BurlesonBank Burleson, TX89 out of 100, Very strong$250.8M12.6%0.00%vs