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Texas Heritage National Bank

$100M-$1B Specialty: Commercial TX FDIC cert 3161

Daingerfield, TX

6 branches across 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 -1.9% year over year ($811.9M on the books).
  • Delinquency rate 1.29%.
  • Return on assets 1.42%.
  • Efficiency ratio 63.61% vs a 64.48% peer average.
  • Loan-to-deposit ratio 97.70% 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) →

Texas Heritage National Bank has 2 strengths but faces 6 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

  • + ROA 0.10% above tier average
  • + Efficiency Ratio 0.87% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 11.4% in tier
  • - Deposit Outflow: Bottom 45.4% in tier
  • - Cost Spiral: Bottom 50.0% in tier
  • - Non-Interest-Bearing Deposit Share 19.03% below tier average
  • - Net Interest Margin 0.33% below tier average
  • - Delinquency Rate 0.37% above tier average
Get updates when Texas Heritage National 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 ? $936.4M
-0.1% YoY -0.8% QoQ
+$549.8M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
Top 2.3% in tier
Total Loans ? $793.2M
-2.7% YoY +0.7% QoQ
+$534.9M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
Top 0.3% in tier
Total Deposits ? $811.9M
-1.9% YoY +1.8% QoQ
+$485.2M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
Top 1.5% in tier
Return on Assets ? 1.42%
+1.5% YoY +12.2% QoQ
+0.10% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
60%
Net Interest Margin ? 3.66%
-2.4% YoY +1.6% QoQ
-0.33% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
35%
Efficiency Ratio ? 63.61%
+12.6% YoY -2.4% QoQ
-0.87% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
47%
Delinquency Rate ? 1.29%
+842.0% YoY -8.7% QoQ
+0.37% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
23%
Loan-to-Deposit Ratio ? 97.70%
-0.8% YoY -1.1% QoQ
+19.74% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
Bottom 12.8% in tier
Non-Interest-Bearing Deposit Share ? 3.00%
-8.1% YoY -3.0% QoQ
-19.03% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
Bottom 2.2% in tier
Nonperforming Asset Ratio ? 1.17%
+887.0% YoY -8.5% QoQ
+0.50% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
17%
Tier 1 Capital Ratio ? 11.14%
+12.6% YoY +0.4% QoQ
-4.77% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
25%
Non-Interest Income / Assets ? 0.37%
+29.9% YoY +155.1% QoQ
-0.19% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
82%

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 3.0%
-0.3pp YoY
-0.1pp QoQ
 -19.2pp 22.1% 29.2% 22.2% 2%
Brokered Deposits 36.0%
-3.3pp YoY
+18.9pp QoQ
 +28.1pp 7.9% 8.0% 8.5% 98%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 20.1%
-0.6pp YoY
+0.3pp QoQ
 +8.6pp 11.6% 14.8% 12.5% 88%
CRE 48.1%
-1.6pp YoY
-1.4pp QoQ
 +8.5pp 39.5% 48.4% 41.4% 67%
1-4 Family 16.4%
+2.3pp YoY
+1.7pp QoQ
 -16.2pp 32.6% 25.8% 31.3% 22%
Consumer 1.6%
-0.3pp YoY
-0.1pp QoQ
 -2.5pp 4.1% 4.7% 5.0% 42%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio 11.1%
+1.2pp YoY
+0.1pp QoQ
 -7.7pp 18.8% 22.7% 19.7% 9%
Leverage Ratio 10.2%
+0.9pp YoY
+0.2pp QoQ
 -2.0pp 12.2% 12.6% 12.6% 35%
Total Capital Ratio 12.3%
+1.3pp YoY
0.0pp QoQ
 -7.6pp 19.9% 23.8% 20.8% 10%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 113
+8 (+7.6%) YoY
+1 (+0.9%) QoQ
 +54 58 186 482 91%
Assets per Employee ($) $8.3M
-7.2% YoY
-1.7% QoQ
 +$768K $7.5M $10.1M $8.8M 71%
Branch Count 6
0 YoY
0 QoQ
 +1 4 12 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp QoQ
 -0.3pp 0.3% 0.3% 0.4% 16%
Nonaccrual 1.3%
+1.1pp YoY
-0.1pp QoQ
 +0.3pp 0.9% 1.0% 1.0% 77%
Allowance Coverage 1.01x
-88.4% YoY
+11.0% QoQ
 -23.15x 24.15x 18.82x 20.23x 27%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 64%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 14.4%
-1.0pp YoY
+1.4pp QoQ
 +2.3pp 12.2% 13.2% 11.6% 65%
Cost of Funds (YTD) 3.2%
-0.3pp YoY
0.0pp QoQ
 +1.5pp 1.7% 1.6% 1.7% 99%
Net Income ($, YTD) $6.7M
+6.6% YoY
— QoQ
 +$4.2M $2.6M $15.9M $40.4M 95%

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 (3)

Liquidity Strain

risk
#80 of 691 • Bottom 11.4% 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: 97.70%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Deposit Outflow

decline
#244 of 535 • Bottom 45.4% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ

Cost Spiral

risk
#70 of 138 • Bottom 50.0% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 63.61%
(Tier: 64.48%, National: 70.05%)
better than tier avg
138 of 138 Community banks match · 184 nationally
→ Stable +9 banks QoQ | QoQ rank improving

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 (4 metrics)

10
Total Loans
size
Value: $793.21M
Peer Median: $258.35M
#10 of 2643 Top 0.3% in $100M-$1B
41
Total Deposits
size
Value: $811.92M
Peer Median: $326.73M
#41 of 2643 Top 1.5% in $100M-$1B
63
Total Assets
size
Value: $936.37M
Peer Median: $386.57M
#63 of 2643 Top 2.3% in $100M-$1B
464
Non-Interest Income / Assets
revenue_mix
Value: 0.37%
Peer Median: 0.57%
#464 of 2643 Top 17.5% in $100M-$1B

Top Weaknesses (4 metrics)

2587
Non-Interest-Bearing Deposit Share
funding
Value: 3.00%
Peer Median: 22.03%
#2587 of 2643 Bottom 2.2% in $100M-$1B
2305
Loan-to-Deposit Ratio
liquidity
Value: 97.70%
Peer Median: 77.95%
#2305 of 2643 Bottom 12.8% in $100M-$1B
2199
Nonperforming Asset Ratio
credit_quality
Value: 1.17%
Peer Median: 0.67%
#2199 of 2643 Bottom 16.8% in $100M-$1B
2041
Delinquency Rate
credit_quality
Value: 1.29%
Peer Median: 0.92%
#2041 of 2633 Bottom 22.5% in $100M-$1B
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