BlastPoint's Banking Scorecard

Henderson Federal Savings Bank

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

Designations: ✓ Mutual

Henderson, TX

2664 banks in the $100M-$1B peer group nationally 219 in TX

Henderson Federal Savings Bank has 1 strength but faces 7 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 1.17% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 7.8% in tier
- Liquidity Strain: Bottom 7.9% in tier
- Delinquency Rate 2.31% above tier average
- Nonperforming Asset Ratio 1.73% above tier average
- Non-Interest Income / Assets 0.26% below tier average
- ROA 0.31% below tier average
- Net Interest Margin 0.40% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$118.5M +1.9% YoY +1.4% QoQ	-$267.6M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	Bottom 5.4% in tier
Total Loans ?	$81.5M -1.5% YoY +1.3% QoQ	-$174.2M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	Bottom 11.8% in tier
Total Deposits ?	$87.7M +0.8% YoY +1.4% QoQ	-$240.3M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	Bottom 1.9% in tier
Return on Assets ?	0.96% +1.2% YoY -8.1% QoQ	-0.31%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	35%
Net Interest Margin ?	3.53% -1.1% YoY -1.7% QoQ	-0.40%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	32%
Efficiency Ratio ?	64.11% -0.8% YoY +2.8% QoQ	-1.17%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	47%
Delinquency Rate ?	3.19% +9.9% YoY -5.6% QoQ	+2.31%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	Bottom 5.4% in tier
Loan-to-Deposit Ratio ?	92.95% -2.3% YoY -0.1% QoQ	+16.31%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	18%
Non-Interest-Bearing Deposit Share ?	9.68% -11.4% YoY +7.5% QoQ	-12.34%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Bottom 10.1% in tier
Nonperforming Asset Ratio ?	2.36% -0.1% YoY -5.3% QoQ	+1.73%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	Bottom 4.9% in tier
Tier 1 Capital Ratio ?	25.80% -0.2% YoY -0.2% QoQ	+9.97%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	Top 5.9% in tier
Non-Interest Income / Assets ?	0.02% +6.7% YoY -73.8% QoQ	-0.26%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	Bottom 4.7% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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

#59 of 739 • Bottom 7.8% 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: 25.80%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 92.95%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

Liquidity Strain

risk

#52 of 643 • Bottom 7.9% 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: 92.95%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

158

Tier 1 Capital Ratio

capital

Value: 25.80%

Peer Median: 15.83%

#158 of 2664 Top 5.9% in $100M-$1B

Top Weaknesses (8 metrics)

2615

Total Deposits

size

Value: $87.68M

Peer Median: $327.97M

#2615 of 2664 Bottom 1.9% in $100M-$1B

2540

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.28%

#2540 of 2664 Bottom 4.7% in $100M-$1B

2535

Nonperforming Asset Ratio

credit_quality

Value: 2.36%

Peer Median: 0.64%

#2535 of 2664 Bottom 4.9% in $100M-$1B

2511

Delinquency Rate

credit_quality

Value: 3.19%

Peer Median: 0.89%

#2511 of 2654 Bottom 5.4% in $100M-$1B

2520

Total Assets

size

Value: $118.50M

Peer Median: $386.08M

#2520 of 2664 Bottom 5.4% in $100M-$1B

2396

Non-Interest-Bearing Deposit Share

funding

Value: 9.68%

Peer Median: 22.02%

#2396 of 2664 Bottom 10.1% in $100M-$1B

2351

Total Loans

size

Value: $81.50M

Peer Median: $255.72M

#2351 of 2664 Bottom 11.8% in $100M-$1B

2173

Loan-to-Deposit Ratio

liquidity

Value: 92.95%

Peer Median: 76.64%

#2173 of 2664 Bottom 18.5% in $100M-$1B