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Harmony Bank
Dallas, TX · FDIC Certificate #57922 · Chartered 03/0
Total assets
$855.27M
Total deposits
$707.66M
Total equity
$139.18M
Net loans
$622.62M
Branches (offices)
12
Net income (YTD)
$4.83M
Rank: #1,185 of 4,213 U.S. banks by assets · #105 of 346 in Texas. Assets changed 3.7% and deposits 6.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.16% |
| Return on equity | 7.04% |
| Net interest margin (YTD) | 5.02% |
| Equity to assets | 16.27% |
| Tier 1 leverage ratio | 11.90% |
| Uninsured deposits (share of deposits) | 41.4% |
| Noncurrent loans (share of loans) | 0.02% |
| Net charge-offs (share of loans) | 0.52% |
| Loans to deposits | 88.0% |
| Real estate loans (share of loans) | 85.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $529.92M | 85.1% | |
| Commercial & industrial | $87.06M | 14.0% | |
| Consumer / individual | $4.51M | 0.7% | |
| Construction & development | $128.96M | 20.7% | |
| Agricultural | $1.04M | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $329.96M | $290.44M | $2.71M | $37.26M |
| Jun 2023 | $715.48M | $602.95M | $2.35M | $109.48M |
| Jun 2024 | $822.66M | $651.71M | $2.83M | $115.44M |
| Jun 2025 | $824.72M | $665.87M | $3.50M | $120.68M |
| Jun 2026 | $855.27M | $707.66M | $4.83M | $139.18M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $707.66M | 12 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $707.66M.
Similar-sized banks
Bna Bank ($855.71M) · Skowhegan Savings Bank ($855.01M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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