Texas Bank (FDIC #21074): Bank Stress & Real-Estate Credit Exposure
Texas Bank (FDIC Cert #21074): bank stress 64/100, elevated, STABLE over 7 days; parent HENDERSON TEXAS BANCSHARES INC.
Texas Bank (#21074) lends in 6 counties across 1 state; Texas Bank (#21074) reaches 113 ZIP codes: Texas 6 counties, 113 ZIPs.
Texas Bank (#21074) largest markets: Collin County, TX (120 branches, 40 ZIPs) (#21074), Smith County, TX (23 branches, 23 ZIPs) (#21074), Grayson County, TX (42 branches, 21 ZIPs) (#21074), Rusk County, TX (80 branches, 20 ZIPs) (#21074), Gregg County, TX (10 branches, 10 ZIPs) (#21074), Nacogdoches County, TX (10 branches, 10 ZIPs) (#21074).
Texas Bank (#21074) reports $953.9 million in total assets; Texas Bank (#21074) equity $101.3 million (10.6% of Texas Bank (#21074) assets); Texas Bank (#21074) domestic deposits $824.0 million; Texas Bank (#21074) net income $5.7 million; Texas Bank (#21074) return on assets 1.20%; Texas Bank (#21074) return on equity 11.46%; Texas Bank (#21074) net interest income $19.5 million; Texas Bank (#21074) call report June 30, 2026.
Texas Bank (#21074) noncurrent real-estate loans 0.01% of its book; Texas Bank (#21074) net charge-offs on real estate 0.45%.
Texas Bank (#21074) net interest margin 4.40% against an eight-quarter Texas Bank (#21074) average of 4.13% (Texas Bank (#21074) compression -0.28 points); Texas Bank (#21074) real-estate loans 1.0% of equity; Texas Bank (#21074) rate-exposure score 40/100, Texas Bank (#21074) fixed-rate trap 40/100; Texas Bank (#21074) risk type credit driven; Texas Bank (#21074) rate regime rates elevated, Texas Bank (#21074) snapshot October 19, 2026.
Texas Bank (#21074) stress score moved from 63.4 on June 22, 2026 to 64.4 on October 19, 2026; Texas Bank (#21074) ranged 63.4 to 64.4 over 116 snapshots.
Texas Bank (#21074) alerts: 6 counties; top Texas Bank (#21074) alert scores: Tyler County, TX 36 (moderate); Nacogdoches County, TX 32 (low); Longview County, TX 20 (low); Prosper County, TX 20 (low); Tatum County, TX 20 (low).