Texas Heritage National Bank: how it compares with its peers
Against 109 TX banks with half to twice its assets, Texas Heritage National Bank's strongest measure in Q2 2026 is assets per employee ($8.3M vs. a $8.2M peer median). Its weakest relative measure is net interest margin (3.66% vs. 4.16%).
| Measure | Texas Heritage National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.42% | 1.42% | Middle third Ahead of 50% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.66% | 4.16% | Bottom third Ahead of 30% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 63.61% | 59.93% | Middle third Ahead of 39% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.3M | $8.2M | Middle third Ahead of 54% of peers |
| Loans to deposits Net loans and leases over total deposits. | 97.70% | 77.47% | Context |
What it means for lending operations
Its efficiency ratio of 63.61% is above the 59.93% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- NewFirst National Bank El Campo, TX · $935M
- The First National Bank of Granbury Granbury, TX · $946M
- Western Bank Lubbock, TX · $947M
- Texas Bank Henderson, TX · $954M
- First National Bank and Trust Company of Weatherford Weatherford, TX · $968M
- Transpecos Banks, SSB Pecos, TX · $972M
Questions about Texas Heritage National Bank
How big is Texas Heritage National Bank?
Texas Heritage National Bank, established in 1892, is headquartered in Daingerfield, TX. It reported $936M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is Texas Heritage National Bank's return on assets?
1.42% annualized in Q2 2026, against a 1.42% median for 109 TX banks with half to twice its assets, ahead of 50% of them.
What is Texas Heritage National Bank's efficiency ratio?
63.61% in Q2 2026: it spent about 64 cents in noninterest expense for each dollar of revenue. The peer median is 59.93%, and lower is better.
Is Texas Heritage National Bank growing its loans?
Net loans shrank 2.7% over the year to Q2 2026, while deposits shrank 1.9%.
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.