Harmony Bank (FDIC #57922): Bank Stress & Real-Estate Credit Exposure

Harmony Bank (FDIC Cert #57922): bank stress 45/100, moderate, STABLE over 7 days; parent HARMONY BANCSHARES INC.

Harmony Bank (#57922) lends in 5 counties across 1 state; Harmony Bank (#57922) reaches 149 ZIP codes: Texas 5 counties, 149 ZIPs.

Harmony Bank (#57922) largest markets: Dallas County, TX (570 branches, 95 ZIPs) (#57922), Ellis County, TX (60 branches, 20 ZIPs) (#57922), Navarro County, TX (17 branches, 17 ZIPs) (#57922), Henderson County, TX (16 branches, 16 ZIPs) (#57922), Kaufman County, TX (13 branches, 13 ZIPs) (#57922).

Harmony Bank (#57922) reports $855.3 million in total assets; Harmony Bank (#57922) equity $139.2 million (16.3% of Harmony Bank (#57922) assets); Harmony Bank (#57922) domestic deposits $707.7 million; Harmony Bank (#57922) net income $4.8 million; Harmony Bank (#57922) return on assets 1.16%; Harmony Bank (#57922) return on equity 7.04%; Harmony Bank (#57922) net interest income $18.8 million; Harmony Bank (#57922) call report June 30, 2026.

Harmony Bank (#57922) noncurrent real-estate loans: none reported; Harmony Bank (#57922) net charge-offs on real estate 0.02%.

Harmony Bank (#57922) net interest margin 5.02% against an eight-quarter Harmony Bank (#57922) average of 4.69% (Harmony Bank (#57922) compression -0.33 points); Harmony Bank (#57922) rate-exposure score 40/100, Harmony Bank (#57922) fixed-rate trap 40/100; Harmony Bank (#57922) risk type credit driven; Harmony Bank (#57922) rate regime rates elevated, Harmony Bank (#57922) snapshot October 20, 2026.

Harmony Bank (#57922) stress score moved from 39.9 on June 22, 2026 to 45.3 on October 20, 2026; Harmony Bank (#57922) ranged 39.9 to 45.3 over 117 snapshots.

Harmony Bank (#57922) alerts: 4 counties; top Harmony Bank (#57922) alert scores: Garland County, TX 16 (low); Kemp County, TX 16 (low); Rice County, TX 16 (low); Waxahachie County, TX 16 (low).