Cendera Bank (FDIC #3098): Bank Stress & Real-Estate Credit Exposure

Cendera Bank (FDIC Cert #3098): bank stress 81/100, severe, STABLE over 7 days; parent CENDERA FINANCIAL HOLDINGS INC.

Cendera Bank (#3098) lends in 3 counties across 1 state; Cendera Bank (#3098) reaches 120 ZIP codes: Texas 3 counties, 120 ZIPs.

Cendera Bank (#3098) largest markets: Tarrant County, TX (76 branches, 76 ZIPs) (#3098), Smith County, TX (23 branches, 23 ZIPs) (#3098), Grayson County, TX (21 branches, 21 ZIPs) (#3098).

Cendera Bank (#3098) reports $257.6 million in total assets; Cendera Bank (#3098) equity $27.4 million (10.6% of Cendera Bank (#3098) assets); Cendera Bank (#3098) domestic deposits $228.5 million; Cendera Bank (#3098) net income $445,000; Cendera Bank (#3098) return on assets 0.37%; Cendera Bank (#3098) return on equity 3.28%; Cendera Bank (#3098) net interest income $4.8 million; Cendera Bank (#3098) call report June 30, 2026.

Cendera Bank (#3098) noncurrent real-estate loans: none reported; Cendera Bank (#3098) net charge-offs on real estate 0.45%.

Cendera Bank (#3098) net interest margin 4.30% against an eight-quarter Cendera Bank (#3098) average of 4.10% (Cendera Bank (#3098) compression -0.20 points); Cendera Bank (#3098) rate-exposure score 40/100, Cendera Bank (#3098) fixed-rate trap 40/100; Cendera Bank (#3098) risk type credit driven; Cendera Bank (#3098) rate regime rates elevated, Cendera Bank (#3098) snapshot October 20, 2026.

Cendera Bank (#3098) stress score moved from 77.5 on June 22, 2026 to 80.8 on October 20, 2026; Cendera Bank (#3098) ranged 77.5 to 80.8 over 117 snapshots.

Cendera Bank (#3098) alerts: 3 counties; top Cendera Bank (#3098) alert scores: Tyler County, TX 39 (moderate); Bells County, TX 23 (low); Fort Worth County, TX 23 (low).