Total Assets
$958M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
Texas Heritage National Bank — FDIC Bank Health Profile
Daingerfield, Texas · Est. 1892. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
Nationally chartered (OCC) National Bank FDIC Cert #3161 Dallas Region
C
Health grade
Fair
Score: 60/100
Basel III capital ratios — Texas Heritage National Bank
Total Deposits
$801M
Customer-funded liabilities
Net Loans
$810M
Outstanding loan book
Net Income
$13M
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
10.60% of risk-weighted assets — above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
10.60%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$92M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
1.46%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
15.85%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
55.54%
Income & Expense Breakdown
$65M
Interest Income
$6M
Non-Interest Income
$22M
Non-Interest Expense
FDIC Deposit Insurance
Texas Heritage National Bank is FDIC-insured (Certificate #3161). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About Texas Heritage National Bank
Texas Heritage National Bank is an FDIC-insured institution (Certificate #3161) headquartered in Daingerfield, Texas, established in 1892. The bank currently holds $958M in total assets and $801M in customer deposits, with $810M deployed as loans. It operates as a Nationally chartered (OCC) (National Bank) within the FDIC Dallas region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, Texas Heritage National Bank reports a Tier 1 Capital Ratio of 10.60% — above the 10% federal threshold for "well-capitalized" status and a Texas Ratio of —. Equity capital stands at $92M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 1.46% and a Return on Equity of 15.85%, with an Efficiency Ratio of 55.54% — below the 60% mark considered efficient for the industry. The combined picture yields a PlainBankData health grade of C (60/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at Texas Heritage National Bank is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in Texas by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data Texas Heritage National Bank (FDIC Cert #3161) — Tier 1 capital ratio, total assets, deposits, CRA rating · 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, SSB Westlake | $253.8B | B | 0.94% |
| Frost Bank San Antonio | $53.1B | C | 1.26% |
| Prosperity Bank El Campo | $38.5B | B | 1.44% |
| Texas Capital Bank Dallas | $31.3B | B | 1.10% |
| Charles Schwab Premier Bank, SSB Westlake | $27.0B | B | 1.47% |
| First Financial Bank Abilene | $15.4B | A | 1.64% |
| NexBank Dallas | $13.9B | B | 1.17% |
| PlainsCapital Bank University Park | $12.7B | C | 1.05% |
Frequently Asked Questions
What is Texas Heritage National Bank's health grade? ▼
Texas Heritage National Bank receives a health grade of C (60/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Texas Heritage National Bank? ▼
Texas Heritage National Bank holds $958M in total assets and $801M in deposits. It is headquartered in Daingerfield, Texas.
Is my money safe at Texas Heritage National Bank? ▼
Yes. Texas Heritage National Bank is FDIC-insured (Certificate #3161). 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 Texas Heritage National Bank's Tier 1 Capital Ratio? ▼
Texas Heritage National Bank has a Tier 1 Capital Ratio of 10.60%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
How efficient is Texas Heritage National Bank? ▼
Texas Heritage National Bank has an Efficiency Ratio of 55.54%. Below 60% is considered efficient — the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.