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

Texas Heritage National Bank

Daingerfield, Texas · $936M in assets · beside the 11 other Texas banks between $300M and $1B

The filing

99.0%
Loans / deposits
12th of 12
-2.6%
Loans, year over year
11th of 12, largest first
1.27%
NPA / loans
9th of 12

Texas Heritage National Bank is the ninth largest of the 12 Texas banks nearest its size between $300M and $1B, with $936M in assets at 30 June 2026. Loans are 99.0% of deposits, the highest in the cohort against a median of 79.6%, and equity is 10.1% of assets, 6th of 12. Loans grew -2.6% in the year, 11th of 12, and deposits fell 1.9%; the cohort's median loan growth is +5.7%.

Noncurrent loans are 1.27% of the book, 9th of 12 against a median of 0.50%; 1.67% is 30 to 89 days past due, and the allowance covers them 1.0 times. Commercial real estate is 36.1% of loans, 6th of 12 against a median of 36.7%, and 276% of capital, below the 300% screen, with construction at 102% against the 100% screen. CRE has grown +138.6% over 36 months, past the guidance's 50% prong.

Return on assets is 1.44%, 6th of 12 against a median of 1.39%, on an efficiency ratio of 63.6%, 9th of 12. Five years ago it was 1.59%. The question is which of these lines moves first over the next four quarters, and against which peer.

Loans as a share of depositsTX banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 79.6% TB Titan Bank N A 54.4% FN First National Bank & Trust Co. of Weatherford 57.3% FN First National Bank of Granbury 63.6% RT Round Top State Bank 68.9% TB Transpecos Banks SSB 75.6% HB Hometown Bank National Association 78.3% FS First State Bank 80.8% TB Texas Bank 84.9% NN Newfirst National Bank 85.8% TP Tolleson Private Bank 88.6% WB Western Bank 97.0% TH Texas Heritage National Bank 99.0%
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% FS First State Bank +8.7% 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%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 7 CBLR filers; owner-occupied excluded; bold marks a screen met
Texas Heritage National BankRankCohort median
Total CRE against capital, the 300% screen276%9th of 12194%
Construction against capital, the 100% screen102%8th of 1284%
Construction and land development, share of loans13.3%6th of 1214.3%
Non-owner-occupied nonfarm nonresidential, share of loans19.6%8th of 1215.7%
Total CRE, the guidance definition, share of loans36.1%6th of 1236.7%
CRE growth over 36 months, the third prong+138.6%12th of 12+15.6%
Commercial real estate against capital, the 300% screenTX banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 194% TB Transpecos Banks SSB 88% TP Tolleson Private Bank 93% TB Titan Bank N A 142% RT Round Top State Bank 148% FN First National Bank of Granbury 172% FS First State Bank 173% FN First National Bank & Trust Co. of Weatherford 215% WB Western Bank 266% TH Texas Heritage National Bank 276% HB Hometown Bank National Association 281% NN Newfirst National Bank 300% TB Texas Bank 389%
CRE growth over 36 months, the guidance's third prongTX banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median +15.6% TP Tolleson Private Bank -42.9% FN First National Bank & Trust Co. of Weatherford -30.4% TB Transpecos Banks SSB -30.0% RT Round Top State Bank -2.6% NN Newfirst National Bank +6.3% TB Texas Bank +13.9% FS First State Bank +17.4% HB Hometown Bank National Association +37.0% FN First National Bank of Granbury +41.6% TB Titan Bank N A +49.2% WB Western Bank +49.6% TH Texas Heritage National Bank +138.6%

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
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%
First State Bank$895M2.4%53.3%2.16%0.12%1.3%80.8%8.9%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Texas Heritage National BankCohort median
20212026Change20212026Change
Loans$254M$804M+217%$447M$677M+52%
Deposits$225M$812M+260%$641M$830M+29%
NPA / loans0.19%1.27%+1.08 pts0.14%0.50%+0.36 pts
Efficiency58.7%63.6%+4.9 pts57.8%60.2%+2.4 pts
ROA1.59%1.44%-0.16 pts1.48%1.39%-0.09 pts

This read was prepared for Texas Heritage National 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 Heritage National 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.thnb.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. 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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