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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southwest · Texas, the state note

Texas Bank

Henderson, Texas · $954M in assets · beside the 11 other Texas banks between $300M and $1B

The filing

56.4%
CRE / loans
12th of 12
389.3%
CRE / capital
12th of 12
64.9%
Efficiency
10th of 12

Texas Bank is the seventh largest of the 12 Texas banks nearest its size between $300M and $1B, with $954M in assets at 30 June 2026. Loans are 84.9% of deposits, 7th of 12 against a median of 81.6%, and equity is 10.6% of assets, 5th of 12. Loans grew +5.1% in the year, 7th of 12, and deposits grew 5.0%; the cohort's median loan growth is +5.7%.

Noncurrent loans are 0.46% of the book, 6th of 12 against a median of 0.50%; 1.20% is 30 to 89 days past due, and the allowance covers them 2.4 times. Net charge-offs are 0.52% of loans, the highest in the cohort. Commercial real estate is 56.4% of loans, the highest in the cohort against a median of 39.8%, and 389% of capital, above the 300% screen, with construction at 210% against the 100% screen.

Return on assets is 1.19%, 9th of 12 against a median of 1.39%, on an efficiency ratio of 64.9%, 10th of 12. Five years ago it was 1.81%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 6.8% of loans).

Commercial real estate, share of loansTX banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 39.8% TB Transpecos Banks SSB 9.4% TP Tolleson Private Bank 11.5% RT Round Top State Bank 29.4% WB Western Bank 29.9% TH Texas Heritage National Bank 36.1% FN First National Bank of Granbury 37.4% TB Titan Bank N A 42.2% FN First National Bank & Trust Co. of Weatherford 43.6% HB Hometown Bank National Association 48.4% NN Newfirst National Bank 50.4% CB Ciera Bank 56.1% TB Texas Bank 56.4%
Loans, year over yearTX banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +5.7% TB Titan Bank N A +24.1% WB Western Bank +18.2% TB Transpecos Banks SSB +17.2% CB Ciera Bank +13.1% HB Hometown Bank National Association +7.1% FN First National Bank of Granbury +6.2% TB Texas Bank +5.1% RT Round Top State Bank +4.1% TP Tolleson Private Bank +1.0% NN Newfirst National Bank -1.5% TH Texas Heritage National Bank -2.6% FN First National Bank & Trust Co. of Weatherford -19.5%

SBA 7(a), FY2008 to FY2026

Texas Bank is the 111th largest 7(a) lender into Texas of 706, with $71M across 182 loans, 0.2% of everything approved in the state (Live Oak Banking Company leads with $2.53B). 21 of its 25 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Texas, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Dallas, TX$26M49th of 3140.5%-0.5 pts
Collin, TX$18M41st of 2610.7%-1.2 pts
Denton, TX$5M83rd of 2240.2%-0.1 pts
Tarrant, TX$4M126th of 2810.1%quiet FY2020
Anderson, TX$4M3rd of 376.8%quiet FY2015
Rusk, TX$3M4th of 239.1%quiet FY2017
Guadalupe, TX$3M20th of 761.6%quiet FY2021
Wood, TX$1M7th of 215.1%thin
Travis, TX$1M161st of 2390.0%quiet FY2008
Grayson, TX$1M38th of 810.5%quiet FY2021
Smith, TX$1M58th of 1010.4%quiet FY2021
Panola, TX$448K13th of 181.3%quiet FY2018
Kaufman, TX$423K64th of 860.2%quiet FY2008
12 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services38$19M26.2%0.02%400th of 2,596
Retail trade31$10M14.6%0.02%473rd of 2,589
Other services32$9M13.3%0.03%367th of 2,248
Health care & social assistance8$7M9.2%0.01%485th of 2,172
Manufacturing14$5M7.2%0.01%678th of 2,246
7(a) lenders into Texas, share of approvals since FY2008706 lenders on record; the ten largest and Texas Bank
LO Live Oak Banking Company 5.8% $2.53B · 1,820 loans TH The Huntington National Bank 5.2% $2.28B · 3,585 loans WF Wells Fargo Bank National Associa… 4.6% $2.02B · 7,244 loans PB PNC Bank, National Association 3.9% $1.70B · 8,154 loans JC JPMorgan Chase Bank, National Ass… 3.4% $1.49B · 7,339 loans WB Wallis Bank 3.2% $1.41B · 1,134 loans CB Celtic Bank Corporation 2.0% $879M · 1,359 loans Bo Bank of Hope 1.7% $741M · 1,359 loans RL Readycap Lending, LLC 1.7% $728M · 1,216 loans EB Enterprise Bank & Trust 1.6% $717M · 569 loans TB Texas Bank 0.2% $71M · 182 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 6 CBLR filers, Texas Bank among them; owner-occupied excluded; bold marks a screen met
Texas BankRankCohort median
Total CRE against capital, the 300% screen389%12th of 12241%
Construction against capital, the 100% screen210%12th of 1284%
Construction and land development, share of loans30.4%12th of 1214.3%
Non-owner-occupied nonfarm nonresidential, share of loans25.2%9th of 1218.2%
Total CRE, the guidance definition, share of loans56.4%12th of 1239.8%
CRE growth over 36 months, the third prong+13.9%6th of 12+16.5%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Ciera Bank$993M1.5%58.3%1.22%0.21%1.6%87.9%11.2%
Hometown Bank National Association$990M1.1%59.3%0.04%0.01%1.1%78.3%9.5%
Tolleson Private Bank$982M1.6%61.1%0.00%0.00%1.0%88.6%8.7%
Round Top State Bank$974M1.2%50.1%0.36%0.00%0.9%68.9%10.4%
Transpecos Banks SSB$972M-1.6%146.4%8.15%0.00%1.0%75.6%6.7%
First National Bank & Trust Co. of Weatherford$968M0.5%88.4%5.51%0.28%1.3%57.3%9.9%
Texas Bank$954M1.2%64.9%0.46%0.52%1.1%84.9%10.6%
Western Bank$947M1.9%62.9%0.31%0.00%1.2%97.0%8.9%
First National Bank of Granbury$946M1.3%58.1%0.78%0.01%1.2%63.6%11.1%
Texas Heritage National Bank$936M1.4%63.6%1.27%0.04%1.3%99.0%10.1%
Newfirst National Bank$935M3.3%39.5%0.21%0.01%1.4%85.8%12.4%
Titan Bank N A$896M7.3%11.8%0.54%0.00%1.2%54.4%12.6%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Texas BankCohort median
20212026Change20212026Change
Loans$454M$699M+54%$447M$697M+56%
Deposits$545M$824M+51%$717M$846M+18%
NPA / loans0.55%0.46%-0.09 pts0.37%0.50%+0.13 pts
Efficiency60.3%64.9%+4.6 pts57.8%60.2%+2.4 pts
ROA1.81%1.19%-0.62 pts1.48%1.39%-0.09 pts

This read was prepared for Texas Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Texas Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort TX banks $300M to $1B
Institution www.texasbnk.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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