Total Assets
$228M
Total balance-sheet footings
FDIC Cert #3098 · Bells, Texas · Est. 1904
Cendera Bank - FDIC Bank Health Profile
Free, sourced directly from the FDIC BankFind Suite and quarterly Call Report, capital, profitability, and safety metrics, refreshed each quarter.
- $228M
- Total assets
- F
- Health grade · At Risk
- 0.29%
- Return on assets
- 0.0%
- Tier 1 capital
The verdict
Cendera Bank earns a PlainBankData health grade of F (27/100), with 0.00% Tier 1 capital, 0.29% ROA, 87% efficiency ratio.
- #2,861
- largest of 4,313 FDIC banks by assets
- 34th
- percentile by asset size, nationally
- 0.00%
- Tier 1 ratio - below the 10% well-capitalized line
- 10th
- percentile for profitability (ROA), nationally
Health grades are PlainBankData's interpretation of FDIC Call Report data — not official FDIC ratings. Every dollar on deposit remains FDIC-insured to $250,000 per depositor, per category, regardless of grade.
Balance sheet at a glance
Total Deposits
$199M
Customer-funded liabilities
Net Loans
$175M
Outstanding loan book
Net Income
$674K
Bottom-line earnings
Capital adequacy vs federal thresholds
Basel III capital ratios - Cendera Bank
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
0.00% of risk-weighted assets — below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
0.00%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
2.44%
Equity Capital
Tangible book value as a capital buffer
$27M
Profitability metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1% · 9.6th pct nationally
0.29%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
2.55%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
87.40%
What the numbers say about Cendera Bank
Cendera Bank is an FDIC-insured institution (Certificate #3098) headquartered in Bells, Texas, established in 1904. It holds $228M in total assets — 2,861st of 4,313 FDIC-insured banks, $199M in customer deposits, and $175M in net loans. On safety, its Tier 1 capital ratio of 0.00% is below the 10% well-capitalized threshold, and its Texas Ratio of 2.44% sits in the healthy range below 50%. It earns a PlainBankData health grade of F (27/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Not financial advice. Health grades are PlainBankData's interpretation of regulatory filings, not official FDIC ratings or predictions. Every dollar on deposit is FDIC-insured to $250,000 per depositor, per ownership category — regardless of grade.
Income & expense breakdown
$16M
Interest Income
$328K
Non-Interest Income
$8M
Non-Interest Expense
Asset quality — Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Cendera Bank reports a Texas Ratio of 2.44% — comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.44% — lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at Cendera Bank
Cendera Bank's grade of F reflects specific pressure points in the FDIC Call Report. Its Tier 1 capital ratio of 0.00% is below the 10% "well-capitalized" benchmark.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Cendera Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts — it is not a prediction of failure, and it does not affect insured-deposit safety.
FDIC deposit insurance
Cendera Bank is FDIC-insured (Certificate #3098). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
Top banks in Texas by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) Cendera Bank (FDIC Cert #3098) — Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Texas
All Texas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Charles Schwab Bank, SSBWestlake | $253.8B | A | 0.94% |
| Frost BankSan Antonio | $53.1B | A | 1.26% |
| Prosperity BankEl Campo | $38.5B | A | 1.44% |
| Texas Capital BankDallas | $31.3B | A | 1.10% |
| Charles Schwab Premier Bank, SSBWestlake | $27.0B | A | 1.47% |
| First Financial BankAbilene | $15.4B | A | 1.64% |
| NexBankDallas | $13.9B | A | 1.17% |
| PlainsCapital BankUniversity Park | $12.7B | B | 1.05% |
Frequently asked questions
What is Cendera Bank's health grade?▼
Cendera Bank receives a health grade of F (27/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank has significant financial challenges. All deposits remain FDIC-insured up to $250,000.
How large is Cendera Bank?▼
Cendera Bank holds $228M in total assets and $199M in deposits, ranking 2,861st of 4,313 FDIC-insured banks by asset size. It is headquartered in Bells, Texas.
Is my money safe at Cendera Bank?▼
Yes. Cendera Bank is FDIC-insured (Certificate #3098). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is Cendera Bank's Tier 1 Capital Ratio?▼
Cendera Bank has a Tier 1 Capital Ratio of 0.00%. The federal "well-capitalized" threshold is 10%. This bank is below the 6% minimum for "adequately capitalized" status.
What is the Texas Ratio for Cendera Bank?▼
Cendera Bank has a Texas Ratio of 2.44%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Cendera Bank?▼
Cendera Bank has an Efficiency Ratio of 87.40%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Cendera Bank's profile as a depositor or analyst.
- Cendera Bank's grade reflects capital, profitability, and asset quality — read the four pillars before drawing conclusions. How grades work
- Deposits are FDIC-insured to $250,000 per depositor, per category — confirm your coverage if balances are large. FDIC insurance explained
- Compare Cendera Bank against other Texas banks before moving funds. Texas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Data compiled from the Federal Deposit Insurance Corporation (FDIC) (FDIC BankFind Suite, Call Report FFIEC 031/041). See our methodology for the full ETL pipeline, source vintage, and column lineage.
Disclaimer: Provided for informational purposes only; not professional advice. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.