Total Assets
$838M
Total balance-sheet footings
FDIC Cert #57922 · Dallas, Texas · Est. 2005
Harmony Bank - FDIC Bank Health Profile
A community-scale look at Harmony Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $838M
- Total assets
- A
- Health grade · Excellent
- 1.00%
- Return on assets
- 15.0%
- Tier 1 capital
Data updated July 2026
The verdict
Harmony Bank earns a PlainBankData health grade of A (83/100), with well-capitalized at 14.98% Tier 1, profitable at 1.00% ROA, 61% efficiency ratio.
- #1,216
- largest of 4,313 FDIC banks by assets
- 72nd
- percentile by asset size, nationally
- 14.98%
- Tier 1 ratio - above the 10% well-capitalized line
- 43rd
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Harmony Bank's 83/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Harmony Bank's composite health score
Tier 1 Capital Ratio (14.98%) 35/40
Return on Assets (ROA) (1.00%) 20/25
Texas Ratio (0.48%) 20/20
Efficiency Ratio (61.00%) 8/15
83 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$693M
Customer-funded liabilities
Net Loans
$586M
Outstanding loan book
Net Income
$8M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Harmony Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Harmony Bank's score of 83/100 falls in the highlighted band.
Harmony 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). Harmony Bank's $838M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
14.98% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
14.98%
Texas Ratio
0.48%
Equity Capital
$136M
Profitability metrics
Return on Assets (ROA)
43rd percentile nationally
1.00%
Return on Equity (ROE)
6.62%
Efficiency Ratio
61.00%
What the numbers say about Harmony Bank
Harmony Bank is an FDIC-insured institution (Certificate #57922) headquartered in Dallas, Texas, established in 2005. It holds $838M in total assets - 1,216th of 4,313 FDIC-insured banks, $693M in customer deposits, and $586M in net loans. On safety, its Tier 1 capital ratio of 14.98% is above the 10% well-capitalized threshold, and its Texas Ratio of 0.48% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (83/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Texas, Harmony Bank ranks 107th of 350 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$50M
Interest Income
$2M
Non-Interest Income
$24M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Harmony Bank reports a Texas Ratio of 0.48% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.48% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Texas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Harmony Bank (FDIC Cert #57922) - 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 Harmony Bank's health grade?▼
Harmony Bank receives a health grade of A (83/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Harmony Bank?▼
Harmony Bank holds $838M in total assets and $693M in deposits, ranking 1,216th of 4,313 FDIC-insured banks by asset size. It is headquartered in Dallas, Texas.
Is my money safe at Harmony Bank?▼
Yes, deposits at Harmony Bank (Certificate #57922) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Harmony Bank's Tier 1 Capital Ratio?▼
Harmony Bank has a Tier 1 Capital Ratio of 14.98%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Harmony Bank?▼
Harmony Bank has a Texas Ratio of 0.48%. 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 Harmony Bank?▼
Harmony Bank has an Efficiency Ratio of 61.00%. 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 Harmony Bank's profile as a depositor or analyst.
- Harmony Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Harmony 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.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.