Is Texas Heritage Bank Safe?
Texas Heritage Bank has a Bank Health Score of 92/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (98/100), while profitability is its weakest area (56/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 14.71% | 98/100 |
| Nonperforming Loan Ratio | 0.24% | 95/100 |
| Liquidity Ratio | 28.60% | 94/100 |
| Return on Assets | 0.89% | 56/100 |
| Total Assets | $0.2B | |
How does Texas Heritage Bank compare?
With a Bank Health Score of 92/100, Texas Heritage Bank sits 22.0 points above the national average of 70/100 for FDIC-insured banks. Within Texas, where 321 FDIC-insured banks are headquartered, Texas Heritage Bank ranks above the state average of 74/100 (Grade B).
The bank's Tier 1 capital ratio of 14.71% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.24% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Texas Heritage Bank's Bank Health Score fell by 3.0 points to 92/100. Tier 1 capital weakened by 1.39 percentage points to 14.71%. Quarter-over-quarter, the score fell by 2.0 points.
Texas Heritage Bank has a Bank Health Score of 92/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (98/100), while profitability is its weakest area (56/100).