FDIC Cert #3098 · Bells, Texas · Est. 1904

Cendera Bank - FDIC Bank Health Profile

A community-scale look at Cendera Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$228M
Total assets
C
Health grade · Fair
0.29%
Return on assets
11.1%
Tier 1 capital

Data updated July 2026

The verdict

Cendera Bank earns a PlainBankData health grade of C (55/100), with well-capitalized at 11.09% Tier 1, 0.29% ROA, 87% efficiency ratio.

#2,861
largest of 4,313 FDIC banks by assets
34th
percentile by asset size, nationally
11.09%
Tier 1 ratio - above the 10% well-capitalized line
10th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 3098 · TX C · 55/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-C C (55/100)
  • BOTTOM-DECILE #4041/4307
  • PHOTO-FINISH The First National B… · AL
  • TIER1-WELL 11.1% Tier 1
  • TEXAS-CLEAN 2.4% Texas
  • ROA-THIN 0.29% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Texas: The First National Bank and Trust, AL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Cendera Bank

Lowest and highest poles plus nearest scored peers outside Texas, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Eufaula · OK · near55/100Cendera Bank · TX · this bank55/100Commonwealth Communi… · KY ·…55/100FCNB Bank · MO · near55/100The First National B… · AL ·…55/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Cendera Bank · July 2026

Call Report read for Cendera Bank in a high-failure state

Cendera Bank (FDIC Cert #3098) carries a PlainBankData health grade of C at 55/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,041 of 4,307. Tier 1 capital prints at 11.09%, clearing the 10% well-capitalized line. The Texas Ratio is 2.44%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.29%. Balance-sheet scale is $228M, 2,861st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The First National Bank and Trust (AL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Cendera Bank

14 FAILURE resolutions in Texas since 2000, heavy vs the state corpus

Cendera Bank sits in one of the heavier post-2000 FAILURE states (14 resolutions; latest year 2025). The list below is state history from the Failed Bank List, not a claim about Cendera Bank's current Call Report.

  • SANTA ANNA NATIONAL BANK SANTA ANNA, TX 2025 → COLEMAN COUNTY STATE BANK
  • ENLOE STATE BANK COOPER, TX 2019 → LEGEND BANK, NA
  • FIRST NATIONAL BANK EDINBURG, TX 2013 → PLAINSCAPITAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Texas banks.

How Cendera Bank's 55/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10055/100
Cendera Bank's composite health score
Tier 1 Capital Ratio (11.09%) 28/40
Return on Assets (ROA) (0.29%) 7/25
Texas Ratio (2.44%) 20/20
Efficiency Ratio (87.40%) 0/15

55 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$228M

Total balance-sheet footings

Total Deposits

$199M

Customer-funded liabilities

Net Loans

$175M

Outstanding loan book

Net Income

$674K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% 14% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.69% 11.09% 12.49%
Basel III capital ratios - Cendera Bank

Where Cendera Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Cendera Bank's score of 55/100 falls in the highlighted band.

Cendera Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

55 6th percentile higher than 6% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Cendera Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Cendera Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Cendera Bank's $228M falls in the highlighted band.

Capital & credit buffers at Cendera Bank

Tier 1 capital ratio
Well-capitalized 10%

11.09% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.09%
Texas Ratio
2.44%
Equity Capital
$27M

What these ratios mean →

Profitability metrics: Cendera Bank

Return on Assets (ROA)
10th percentile nationally
0.29%
Return on Equity (ROE)
2.55%
Efficiency Ratio
87.40%

What these mean →

Income & expense at Cendera Bank

$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.

FDIC Failed Bank List → View Cendera Bank on FDIC BankFind →

Top banks in Texas by total assets

Largest banks headquartered in Texas
  1. 1
    Charles Schwab Bank, SSB $253.8B

    Westlake, TX · Grade A

  2. 2
    Frost Bank $53.1B

    San Antonio, TX · Grade A

  3. 3
    Prosperity Bank $38.5B

    El Campo, TX · Grade A

  4. 4
    Texas Capital Bank $31.3B

    Dallas, TX · Grade A

  5. 5
    Charles Schwab Premier Bank, SSB $27.0B

    Westlake, TX · Grade A

Top 5 banks in Texas ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($228M here), outside Texas so the neighborhood is not state containment.

Gateway Commercial Bank $228M · AZ First Peoples Bank of Tennessee $228M · TN The Bank of Charlotte County $228M · VA Homeland Community Bank $228M · TN

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.

Cendera Bank Call Report profile · FDIC Failed Bank List · Texas FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Texas

All Texas banks →
BankAssetsGradeROA
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%