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1120 Highway 79 North
Henderson, TX 75652

Texas Bank (TX) is headquartered in Henderson and is the 163rd largest bank in the state of Texas. It is also the 1,951st largest bank in the nation. It was established in 1973 and as of March of 2014, it had grown to 111 employees at 6 locations. Texas Bank (TX) has a A health rating.

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Reviews (1)

Must Come To The Branch To Open An Account

I called them and left them a voice mail, didn’t get a call back (why bother?).  Three hours later called them again, and was told that the account cannot be opened remotely, e.g. over the phone or the internet.  Instead, I must come to the branch.  Since I live hours away, it makes it very difficult.  I’ve been able to open accounts at the banks for years now without setting my foot at the branch.  This bank either doesn’t seem to care about the customers’ convenience, or is so primitive, they don’t know about the existence of the telephone and or internet.  I wish I could leave a zero star feedback here.



Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Texas Bank (TX) had $1.01 million in non-current loans and owned real-estate with $31.16 million in equity and loan loss allowances on hand to cover it. This gives Texas Bank (TX) a Texas Ratio of 3.24% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Texas Bank (TX) decreased dramatically from 8.16% as of March 31, 2013 to 3.24% as of March 31, 2014, resulting in a positive change of 60.29%.This indicates that the balance sheet and financial strength for Texas Bank (TX) has improved dramatically in recent periods.

Deposit Growth


In the past year, Texas Bank (TX) has increased its total deposits by $3.82 million, resulting in 1.36% 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 Texas Bank (TX) has shown is above average.



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. Texas Bank (TX) has $337.79 million in assets with $31.16 million in equity, resulting in a capitalization level of 9.23%, which is average.

Institution Statistics

FDIC Certificate #21074
Year Established1973
Primary RegulatorFDIC
Assets and Liabilities
Assets$337.79 million
Loans$109.40 million
Deposits$285.51 million
Equity Capital$29.51 million
Loan Loss Allowance$1.66 million
Unbacked Noncurrent Loans$335,000
Real Estate Owned$675,000
Historic Data - March 2013
Assets$327.77 million
Equity Capital$26.76 million
Loan Loss Allowance$1.78 million
Unbacked Noncurrent Loans$335,000
Real Estate Owned$728,000
Profit Margin - Quarterly
Net Interest Margin3.61%
Return on Assets0.84%
Return on Equity9.67%
Interest Income$3.47 million

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Texas Bank (TX) Savings Account Rates

0.20%--Regular Savings

Texas Bank (TX) Money Market Rates

0.40%$10k-Advantage Money Market

Texas Bank (TX) Checking Account Rates

3.04%-$25kTexas Reward Checking - Qualifying
0.25%--Texas Reward Checking - Non Qualifying
0.20%--Advantage Checking
0.20%--NOW Checking

Texas Bank (TX) CD Rates

1.61%$500-5 Year CD
1.31%$500-4 Year CD
1.00%$500-3 Year CD
0.90%$500-30 Month CD
0.75%$500-2 Year CD
0.50%$500-18 Month CD
0.50%$500-6 Month CD
0.40%$500-1 Year CD
0.35%$500-90 Day CD
0.30%$500-30 Day CD

Texas Bank (TX) IRA Rates

1.61%$500-5 Year IRA
1.31%$500-4 Year IRA
1.00%$500-3 Year IRA
0.90%$500-30 Month IRA
0.75%$500-24 Month Advantage IRA
0.75%$500-2 Year IRA
0.50%$500-18 Month IRA
0.50%$500-6 Month IRA
0.40%$500-1 Year IRA

Texas Bank (TX) Locations
Texas Bank1120 Highway 79 NorthHenderson, TX 75652
Convenience Center Branch1815 Hwy 79 S.Henderson, TX 75654
Tatum Branch230 West Johnson StreetTatum, TX 75691
Longview Branch4018 Estes ParkwayLongview, TX 75607
Nacogdoches Branch500 North StreetNacogdoches, TX 75961
Rhones Quarter Rd. Branch5101 Rhones Quarter Rd.Tyler, TX 75707