Total Assets
$13.9B
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$10.8B
Customer-funded liabilities
Net Loans
$9.4B
Outstanding loan book
Net Income
$165M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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.
Safety metrics
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
Profitability metrics
Return on Assets (ROA)
55th percentile nationally
1.17%
Return on Equity (ROE)
12.89%
Efficiency Ratio
41.69%
What the numbers say about NexBank
NexBank is an FDIC-insured institution (Certificate #29209) headquartered in Dallas, Texas, established in 1934. It holds $13.9B in total assets - 134th of 4,313 FDIC-insured banks, $10.8B in customer deposits, and $9.4B in net loans. Capital-wise, the Tier 1 ratio sits at 14.62%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 9.26%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (86 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, NexBank sits in the top decile of all FDIC-insured institutions by asset size (134th of 4,313), and within Texas it ranks 7th of 350 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is PlainsCapital Bank, at $12.7B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$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.
Top banks in Texas by total assets
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.
| Bank | State | Assets | ROA | Efficiency | Tier 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% |
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.
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% |
| PlainsCapital BankUniversity Park | $12.7B | B | 1.05% |
| Stellar BankHouston | $10.8B | A | 1.07% |
Frequently asked questions
What is NexBank's health grade?▼
NexBank receives a health grade of A (86/100) 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 NexBank?▼
NexBank holds $13.9B in total assets and $10.8B in deposits, ranking 134th of 4,313 FDIC-insured banks by asset size. It is headquartered in Dallas, Texas.
Is my money safe at NexBank?▼
Yes, deposits at NexBank (Certificate #29209) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is NexBank's Tier 1 Capital Ratio?▼
NexBank has a Tier 1 Capital Ratio of 14.62%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for NexBank?▼
NexBank has a Texas Ratio of 9.26%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is NexBank?▼
NexBank has an Efficiency Ratio of 41.69%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read NexBank's profile as a depositor or analyst.
- NexBank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare NexBank 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.