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Henderson Federal Savings Bank
Henderson, TX · FDIC Certificate #29241 · Chartered 11/0
Total assets
$117.72M
Total deposits
$86.72M
Total equity
$30.43M
Net loans
$81.45M
Branches (offices)
1
Net income (YTD)
$622.00K
Rank: #3,546 of 4,213 U.S. banks by assets · #301 of 346 in Texas. Assets changed 1.8% and deposits 1.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.06% |
| Return on equity | 4.13% |
| Net interest margin (YTD) | 3.55% |
| Equity to assets | 25.85% |
| Tier 1 leverage ratio | 25.94% |
| Uninsured deposits (share of deposits) | 5.2% |
| Noncurrent loans (share of loans) | 3.49% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 93.9% |
| Real estate loans (share of loans) | 91.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $74.80M | 91.8% | |
| Commercial & industrial | $4.62M | 5.7% | |
| Consumer / individual | $3.44M | 4.2% | |
| Construction & development | $4.12M | 5.1% | |
| Agricultural | $62.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $121.02M | $95.62M | $355.00K | $24.85M |
| Jun 2023 | $114.05M | $87.23M | $754.00K | $26.21M |
| Jun 2024 | $109.92M | $81.61M | $625.00K | $27.73M |
| Jun 2025 | $115.61M | $85.85M | $587.00K | $29.14M |
| Jun 2026 | $117.72M | $86.72M | $622.00K | $30.43M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $86.72M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $86.72M.
Similar-sized banks
First Bank ($118.00M) · Union State Bank ($117.63M)
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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