Texas Heritage National Bank (FDIC #3161): Bank Stress & Real-Estate Credit Exposure
Texas Heritage National Bank (FDIC Cert #3161): bank stress 62/100, elevated, STABLE over 7 days; parent DAINGERFIELD HOLDING CO.
Texas Heritage National Bank (#3161) lends in 4 counties across 1 state; Texas Heritage National Bank (#3161) reaches 125 ZIP codes: Texas 4 counties, 125 ZIPs.
Texas Heritage National Bank (#3161) largest markets: Dallas County, TX (95 branches, 95 ZIPs) (#3161), Hopkins County, TX (13 branches, 13 ZIPs) (#3161), Upshur County, TX (24 branches, 12 ZIPs) (#3161), Morris County, TX (14 branches, 7 ZIPs) (#3161).
Texas Heritage National Bank (#3161) reports $936.4 million in total assets; Texas Heritage National Bank (#3161) equity $94.9 million (10.1% of Texas Heritage National Bank (#3161) assets); Texas Heritage National Bank (#3161) domestic deposits $811.9 million; Texas Heritage National Bank (#3161) net income $6.7 million; Texas Heritage National Bank (#3161) return on assets 1.42%; Texas Heritage National Bank (#3161) return on equity 14.45%; Texas Heritage National Bank (#3161) net interest income $16.5 million; Texas Heritage National Bank (#3161) call report June 30, 2026.
Texas Heritage National Bank (#3161) noncurrent real-estate loans: none reported; Texas Heritage National Bank (#3161) net charge-offs on real estate 1.55%; Texas Heritage National Bank (#3161) residential charge-offs 3.57%.
Texas Heritage National Bank (#3161) net interest margin 3.66% against an eight-quarter Texas Heritage National Bank (#3161) average of 3.57% (Texas Heritage National Bank (#3161) compression -0.08 points); Texas Heritage National Bank (#3161) non-residential real estate 356.9% of equity; Texas Heritage National Bank (#3161) rate-exposure score 40/100, Texas Heritage National Bank (#3161) fixed-rate trap 40/100; Texas Heritage National Bank (#3161) risk type credit driven; Texas Heritage National Bank (#3161) rate regime rates elevated, Texas Heritage National Bank (#3161) snapshot October 20, 2026.
Texas Heritage National Bank (#3161) stress score moved from 64.4 on June 22, 2026 to 61.7 on October 20, 2026; Texas Heritage National Bank (#3161) ranged 61.7 to 64.4 over 117 snapshots.
Texas Heritage National Bank (#3161) alerts: 4 counties; top Texas Heritage National Bank (#3161) alert scores: Dallas County, TX 36 (moderate); Omaha County, TX 19 (low); Ore City County, TX 19 (low); Sulphur Springs County, TX 19 (low).