Henderson Federal Savings Bank: how it compares with its peers
Against 91 TX banks with half to twice its assets, Henderson Federal Savings Bank's strongest measure in Q2 2026 is efficiency ratio (60.93% vs. a 64.75% peer median). Its weakest relative measure is net interest margin (3.55% vs. 4.05%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.06% | 1.35% | Bottom third Ahead of 32% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.55% | 4.05% | Bottom third Ahead of 29% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 60.93% | 64.75% | Middle third Ahead of 59% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.6M | $6.1M | Middle third Ahead of 40% of peers |
| Loans to deposits Net loans and leases over total deposits. | 93.93% | 56.97% | Context |
What it means for lending operations
Its efficiency ratio of 60.93% is better than the 64.75% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Lone Oak Bank, National Association Eldorado, TX · $120M
- The Commercial Bank Mason, TX · $115M
- The Lytle State Bank of Lytle, Texas Lytle, TX · $115M
- The First State Bank Abernathy, TX · $121M
- Stockmens National Bank in Cotulla Cotulla, TX · $124M
- Dalhart Federal Savings & Loan Association, SSB Dalhart, TX · $126M
Questions about Henderson Federal Savings Bank
How big is Henderson Federal Savings Bank?
Henderson Federal Savings Bank, established in 1934, is headquartered in Henderson, TX. It reported $118M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Henderson Federal Savings Bank's return on assets?
1.06% annualized in Q2 2026, against a 1.35% median for 91 TX banks with half to twice its assets, ahead of 32% of them.
What is Henderson Federal Savings Bank's efficiency ratio?
60.93% in Q2 2026: it spent about 61 cents in noninterest expense for each dollar of revenue. The peer median is 64.75%, and lower is better.
Is Henderson Federal Savings Bank growing its loans?
Net loans shrank 1.1% over the year to Q2 2026, while deposits grew 1.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.