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1850 Pearland Parkway
Pearland, TX 77581

Heritage Bank (TX) is headquartered in Pearland and is the 371st largest bank in the state of Texas. It is also the 4,604th largest bank in the nation. It was established in 1985 and as of December of 2013, it had grown to 26 employees at 2 locations. Heritage Bank (TX)'s money market rates are 70% higher than the national average, and it boasts a A+ health rating.

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Heritage Bank (TX) had $0 in non-current loans and owned real-estate with $19.73 million in equity and loan loss allowances on hand to cover it. This gives Heritage Bank (TX) a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Deposit Growth


In the past year, Heritage Bank (TX) has increased its total deposits by $15.02 million, resulting in 20.7% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Heritage Bank (TX) has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Heritage Bank (TX) has $106.48 million in assets with $19.73 million in equity, resulting in a capitalization level of 18.53%, which is excellent.

Institution Statistics

FDIC Certificate #26372
Year Established1985
Primary RegulatorFED
Assets and Liabilities
Assets$106.48 million
Loans$83.97 million
Deposits$87.57 million
Equity Capital$18.69 million
Loan Loss Allowance$1.04 million
Real Estate Owned$0
Historic Data - December 2012
Assets$89.27 million
Equity Capital$16.55 million
Loan Loss Allowance$772,000
Unbacked Noncurrent Loans$0
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin5.16%
Return on Assets0.7%
Return on Equity3.81%
Interest Income$4.79 million

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Heritage Bank (TX) Savings Account Rates

0.15%--Regular Savings
0.15%--Junior Savings

Heritage Bank (TX) Money Market Rates

0.75%$250k-Lone Star Money Market
0.75%$250k-Legacy Money Market
0.10%--Money Market

Heritage Bank (TX) Checking Account Rates

0.10%--Super NOW Checking
0.00%--Regular Checking
0.00%--Free Checking
0.00%--Gold Checking
0.00%--Legacy Checking

Heritage Bank (TX) CD Rates

1.31%$1k-60 Month CD
1.11%$1k-48 Month CD
1.00%$1k-36 Month CD
0.70%$1k-24 Month CD
0.65%$1k-18 Month CD
0.60%$1k-12 Month CD
0.30%$1k-181 - 364 Day CD
0.20%$1k-90 - 180 Day CD

Heritage Bank (TX) IRA Rates

0.90%$1k-18 Month IRA
0.75%$1k-12 Month IRA

Heritage Bank (TX) Locations
Detroit Branch12038 Hwy 82 WDetroit, TX 75436
Heritage Bank1850 Pearland ParkwayPearland, TX 77581