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Henderson Federal Savings Bank

$100M-$1B Specialty: Mortgage TX FDIC cert 29241

Designations: ✓ Mutual

Henderson, TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
  • Deposits +1.0% year over year ($86.7M on the books).
  • Delinquency rate 3.55%.
  • Return on assets 1.06%.
  • Efficiency ratio 60.93% vs a 64.48% peer average.
  • Loan-to-deposit ratio 93.93% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX
View $100M-$1B leaderboard (TX) →

Henderson Federal Savings Bank has 1 strength but faces 8 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 3.55% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 8.2% in tier
  • - Liquidity Strain: Bottom 8.4% in tier
  • - Delinquency Rate 2.63% above tier average
  • - Non-Interest-Bearing Deposit Share 13.43% below tier average
  • - Nonperforming Asset Ratio 1.96% above tier average
  • - Non-Interest Income / Assets 0.52% below tier average
  • - ROA 0.27% below tier average
  • - Net Interest Margin 0.43% below tier average
Get updates when Henderson Federal Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $117.7M
+1.8% YoY -0.7% QoQ
-$268.8M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
Bottom 5.0% in tier
Total Loans ? $81.5M
-1.1% YoY -0.1% QoQ
-$176.9M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
Bottom 11.2% in tier
Total Deposits ? $86.7M
+1.0% YoY -1.1% QoQ
-$240.0M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
Bottom 1.7% in tier
Return on Assets ? 1.06%
+3.1% YoY +10.3% QoQ
-0.27% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
37%
Net Interest Margin ? 3.55%
+0.3% YoY +0.7% QoQ
-0.43% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
30%
Efficiency Ratio ? 60.93%
-1.2% YoY -5.0% QoQ
-3.55% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
55%
Delinquency Rate ? 3.55%
-14.4% YoY +11.3% QoQ
+2.63% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
Bottom 4.4% in tier
Loan-to-Deposit Ratio ? 93.93%
-2.1% YoY +1.0% QoQ
+15.97% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
18%
Non-Interest-Bearing Deposit Share ? 8.60%
-8.0% YoY -11.2% QoQ
-13.43% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
Bottom 8.0% in tier
Nonperforming Asset Ratio ? 2.63%
-19.4% YoY +11.1% QoQ
+1.96% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
Bottom 4.4% in tier
Tier 1 Capital Ratio ? 25.94%
+1.3% YoY +0.5% QoQ
+10.03% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
Top 6.1% in tier
Non-Interest Income / Assets ? 0.04%
+2.3% YoY +101.3% QoQ
-0.52% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
Bottom 4.6% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Noninterest-Bearing 8.6%
-0.7pp YoY
-1.1pp QoQ
 -13.5pp 22.1% 29.2% 22.2% 8%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 5.7%
-0.3pp YoY
-0.1pp QoQ
 -5.9pp 11.6% 14.8% 12.5% 24%
CRE 13.4%
0.0pp YoY
-1.1pp QoQ
 -26.2pp 39.5% 48.4% 41.4% 9%
1-4 Family 78.4%
+1.4pp YoY
+1.5pp QoQ
 +45.7pp 32.6% 25.8% 31.3% 96%
Consumer 4.2%
-1.0pp YoY
-0.3pp QoQ
 +0.1pp 4.1% 4.7% 5.0% 72%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.7% 19.7% n/a
Leverage Ratio 25.9%
+0.3pp YoY
+0.1pp QoQ
 +13.8pp 12.2% 12.6% 12.6% 98%
Total Capital Ratio n/a n/a 19.9% 23.8% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 21
-1 (-4.5%) YoY
0 QoQ
 -38 58 186 482 12%
Assets per Employee ($) $5.6M
+6.7% YoY
-0.7% QoQ
 -$1.9M $7.5M $10.1M $8.8M 25%
Branch Count 1
0 YoY
0 QoQ
 -4 4 12 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual 3.6%
-0.6pp YoY
+0.4pp QoQ
 +2.6pp 0.9% 1.0% 1.0% 96%
Allowance Coverage 0.52x
+17.0% YoY
-9.1% QoQ
 -23.63x 24.15x 18.82x 20.23x 11%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 18%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 4.1%
0.0pp YoY
+0.4pp QoQ
 -8.1pp 12.2% 13.2% 11.6% 11%
Cost of Funds (YTD) 1.9%
-0.1pp YoY
0.0pp QoQ
 +0.2pp 1.7% 1.6% 1.7% 64%
Net Income ($, YTD) $622,000
+6.0% YoY
— QoQ
 -$1.9M $2.6M $15.9M $40.4M 14%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Overhang

risk
#62 of 742 • Bottom 8.2% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 25.94%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 93.93%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

Liquidity Strain

risk
#59 of 691 • Bottom 8.4% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 93.93%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

162
Tier 1 Capital Ratio
capital
Value: 25.94%
Peer Median: 15.91%
#162 of 2643 Top 6.1% in $100M-$1B

Top Weaknesses (8 metrics)

2598
Total Deposits
size
Value: $86.72M
Peer Median: $326.73M
#2598 of 2643 Bottom 1.7% in $100M-$1B
2519
Delinquency Rate
credit_quality
Value: 3.55%
Peer Median: 0.92%
#2519 of 2633 Bottom 4.4% in $100M-$1B
2528
Nonperforming Asset Ratio
credit_quality
Value: 2.63%
Peer Median: 0.67%
#2528 of 2643 Bottom 4.4% in $100M-$1B
2523
Non-Interest Income / Assets
revenue_mix
Value: 0.04%
Peer Median: 0.57%
#2523 of 2643 Bottom 4.6% in $100M-$1B
2512
Total Assets
size
Value: $117.72M
Peer Median: $386.57M
#2512 of 2643 Bottom 5.0% in $100M-$1B
2433
Non-Interest-Bearing Deposit Share
funding
Value: 8.60%
Peer Median: 22.03%
#2433 of 2643 Bottom 8.0% in $100M-$1B
2347
Total Loans
size
Value: $81.45M
Peer Median: $258.35M
#2347 of 2643 Bottom 11.2% in $100M-$1B
2163
Loan-to-Deposit Ratio
liquidity
Value: 93.93%
Peer Median: 77.95%
#2163 of 2643 Bottom 18.2% in $100M-$1B
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