Texas Financial Bank (FDIC #26738): Bank Stress & Real-Estate Credit Exposure
Texas Financial Bank (FDIC Cert #26738): bank stress 71/100, elevated, STABLE over 7 days; parent PATRONS HOLDINGS INC.
Texas Financial Bank (#26738) lends in 4 counties across 1 state; Texas Financial Bank (#26738) reaches 20 ZIP codes: Texas 4 counties, 20 ZIPs.
Texas Financial Bank (#26738) largest markets: Concho County, TX (8 branches, 8 ZIPs) (#26738), Howard County, TX (6 branches, 6 ZIPs) (#26738), Upton County, TX (4 branches, 4 ZIPs) (#26738), Reagan County, TX (2 branches, 2 ZIPs) (#26738).
Texas Financial Bank (#26738) reports $264.6 million in total assets; Texas Financial Bank (#26738) equity $36.4 million (13.8% of Texas Financial Bank (#26738) assets); Texas Financial Bank (#26738) domestic deposits $223.6 million; Texas Financial Bank (#26738) net income $416,000; Texas Financial Bank (#26738) return on assets 0.33%; Texas Financial Bank (#26738) return on equity 2.36%; Texas Financial Bank (#26738) net interest income $5.6 million; Texas Financial Bank (#26738) call report June 30, 2026.
Texas Financial Bank (#26738) noncurrent real-estate loans: none reported; Texas Financial Bank (#26738) net charge-offs on real estate 0.00%.
Texas Financial Bank (#26738) net interest margin 4.85% against an eight-quarter Texas Financial Bank (#26738) average of 4.92% (Texas Financial Bank (#26738) compression 0.08 points); Texas Financial Bank (#26738) rate-exposure score 40/100, Texas Financial Bank (#26738) fixed-rate trap 40/100; Texas Financial Bank (#26738) risk type credit driven; Texas Financial Bank (#26738) rate regime rates elevated, Texas Financial Bank (#26738) snapshot October 19, 2026.
Texas Financial Bank (#26738) stress score moved from 71.3 on June 22, 2026 to 70.7 on October 19, 2026; Texas Financial Bank (#26738) ranged 70.7 to 71.3 over 116 snapshots.
Texas Financial Bank (#26738) alerts: 4 counties; top Texas Financial Bank (#26738) alert scores: Big Lake County, TX 21 (low); Big Spring County, TX 21 (low); Eden County, TX 21 (low); Rankin County, TX 21 (low).