FDIC Cert #29209 · Dallas, Texas · Est. 1934

NexBank - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$13.9B
Total assets
A
Health grade · Excellent
1.17%
Return on assets
14.6%
Tier 1 capital

Data updated July 2026

The verdict

NexBank earns a PlainBankData health grade of A (86/100), with well-capitalized at 14.62% Tier 1, profitable at 1.17% ROA, efficient (42% cost ratio).

#134
largest of 4,313 FDIC banks by assets
97th
percentile by asset size, nationally
14.62%
Tier 1 ratio - above the 10% well-capitalized line
55th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 29209 · TX A · 86/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-LARGE · BOOK-FULL

  • GRADE-A A (86/100)
  • MID-PACK #1298/4307
  • PHOTO-FINISH North American Savin… · MO
  • TIER1-WELL 14.6% Tier 1
  • TEXAS-CLEAN 9.3% Texas
  • ROA-PAR 1.17% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Texas: North American Savings Bank, F.S.B., MO (±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 NexBank

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

Morgan Stanley Bank,… · UT ·…100/100El Dorado Savings Ba… · CA ·…86/100NexBank · TX · this bank86/100North American Savin… · MO ·…86/100Sewickley Savings Bank · PA …86/100Yakima Federal Savin… · WA ·…86/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around NexBank · July 2026

Call Report read for NexBank in a high-failure state

NexBank (FDIC Cert #29209) carries a PlainBankData health grade of A at 86/100, 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 #1,298 of 4,307. Tier 1 capital prints at 14.62%, clearing the 10% well-capitalized line. The Texas Ratio is 9.26%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.17%. Balance-sheet scale is $13.9B, 134th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is North American Savings Bank, F.S.B. (MO), 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 NexBank

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

NexBank 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 NexBank'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 NexBank's 86/100 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 avg77/10086/100
NexBank's composite health score
Tier 1 Capital Ratio (14.62%) 35/40
Return on Assets (ROA) (1.17%) 20/25
Texas Ratio (9.26%) 16/20
Efficiency Ratio (41.69%) 15/15

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

Balance sheet at a glance

Total Assets

$13.9B

Total balance-sheet footings

Total Deposits

$10.8B

Customer-funded liabilities

Net Loans

$9.4B

Outstanding loan book

Net Income

$165M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 13.22% 14.62% 16.02%
Basel III capital ratios - NexBank

Where NexBank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. NexBank's score of 86/100 falls in the highlighted band.

NexBank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

86 Top 30% higher than 70% 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%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. NexBank 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

NexBank'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). NexBank's $13.9B falls in the highlighted band.

Capital & credit buffers at NexBank

Tier 1 capital ratio
Well-capitalized 10%

14.62% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
14.62%
Texas Ratio
9.26%
Equity Capital
$1.2B

What these ratios mean →

Earnings posture at NexBank

Return on Assets (ROA)
55th percentile nationally
1.17%
Return on Equity (ROE)
12.89%
Efficiency Ratio
41.69%

What these mean →

Income & expense at NexBank

$649M
Interest Income
$90M
Non-Interest Income
$159M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. NexBank reports a Texas Ratio of 9.26% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

9.26% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View NexBank 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.

National size peers: banks closest to NexBank by assets

Measured strictly by total assets rather than geography, NexBank's closest national peers include ConnectOne Bank, Comenity Capital Bank, Israel Discount Bank of New York, Bell Bank, spanning 5 different states -- a reminder that at this scale, competition and comparison happen nationally, not just within Texas. Averaged across this asset-matched cohort, return on assets runs 0.79% (NexBank is above that at 1.17%), the efficiency ratio averages 61.15% (NexBank runs leaner at 41.69%), and Tier 1 capital averages 19.37% (NexBank holds less at 14.62%). None of this cohort competes on branch count alone -- balance-sheet scale, funding mix, and regulatory capital posture are the metrics that actually separate similarly-sized institutions.

At $13.9B in assets, NexBank has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.

Closest banks to NexBank nationally by total assets
  1. 1
    ConnectOne Bank $14.0B

    Englewood Cliffs, NJ · Grade A

  2. 2
    Comenity Capital Bank $13.6B

    Draper, UT · Grade A

  3. 3
    Israel Discount Bank of New York $14.4B

    New York, NY · Grade B

  4. 4
    Bell Bank $14.4B

    Fargo, ND · Grade C

  5. 5
    OceanFirst Bank $14.5B

    Toms River, NJ · Grade B

  6. 6
    Beal Bank USA $14.5B

    Las Vegas, NV · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
NexBank (this bank) TX $13.9B 1.17% 41.69% 14.62%
ConnectOne Bank NJ $14.0B 0.77% 54.90% 12.36%
Comenity Capital Bank UT $13.6B 1.60% 57.26% 13.46%
Israel Discount Bank of New York NY $14.4B 0.54% 71.49% 13.84%
Bell Bank ND $14.4B 0.59% 77.28% 11.49%
OceanFirst Bank, National Association NJ $14.5B 0.61% 68.55% 11.54%
Beal Bank USA NV $14.5B 0.63% 37.43% 53.51%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($13.9B here), outside Texas so the neighborhood is not state containment.

ConnectOne Bank $14.0B · NJ Comenity Capital Bank $13.6B · UT Israel Discount Bank of New York $14.4B · NY Bell Bank $14.4B · ND

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) NexBank (FDIC Cert #29209) - 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.

NexBank 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%
PlainsCapital BankUniversity Park $12.7B B 1.05%
Stellar BankHouston $10.8B A 1.07%