# TEXAS HERITAGE NATIONAL BANK
DAINGERFIELD, TX · FDIC certificate 3161 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $936.4M | |
| Deposits | $811.9M | |
| Loans and leases | $803.5M | |
| Total equity | $94.9M | |
| Loans / deposits | 97.70% (p86 of band) | 82.04% |
| Liquid assets / assets | 12.32% (p10 of band) | |
| Uninsured deposits / deposits | 40.52% (p88 of band) | 25.97% |
| Brokered deposits | 31.19% | |
| Wholesale funding | 33.86% (p98 of band) | |
| FHLB advances / assets | 2.67% | |
| Tier 1 leverage | 10.17% (p39 of band) | 10.81% |
| Unrealized securities loss / equity | -0.01% (p97 of band) | -8.10% |
| AOCI / equity | -0.03% (p71 of band) | |
| ROA (annualized) | 1.42% (p59 of band) | 1.28% |
| Net interest margin | 3.66% (p36 of band) | 3.91% |
| Efficiency ratio | 63.61% (p57 of band) | |
| Noncurrent loans | 1.27% (p79 of band) | 0.43% |
| Net charge-offs (annualized) | 0.03% (p72 of band) | |
| Reserve coverage of noncurrent | 100.74% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 112.81% (p90 of band) | |
| Auto loans | $2.2M (0.27% of loans; DQ 8.97%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -1.9% | |
| Employees | 113 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 1 |  | wholesale funding >15% |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 2 | uninsured deposits leaving |  |
| 2014-09 | 1 |  | uninsured deposits leaving |
| 2014-12 | 1 |  |  |
| 2015-03 | 3 | loans exceed deposits, wholesale funding >15%, uninsured deposits leaving | reserve under noncurrent |
| 2015-06 | 2 |  | uninsured deposits leaving |
| 2015-09 | 3 | uninsured deposits leaving |  |
| 2015-12 | 4 | capital falling |  |
| 2016-03 | 4 | reserve under noncurrent | uninsured deposits leaving |
| 2016-06 | 3 |  | reserve under noncurrent |
| 2016-09 | 2 |  | capital falling |
| 2016-12 | 2 |  |  |
| 2017-03 | 0 |  | loans exceed deposits, wholesale funding >15% |
| 2017-06 | 1 | loans exceed deposits |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 3 | charge-offs p90, reserve under noncurrent |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 1 |  | loans exceed deposits, charge-offs p90 |
| 2019-06 | 2 | loans exceed deposits, capital falling | reserve under noncurrent |
| 2019-09 | 2 | reserve under noncurrent | loans exceed deposits |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | loans exceed deposits |  |
| 2020-06 | 4 | wholesale funding >15%, charge-offs p90 | capital falling |
| 2020-09 | 1 |  | reserve under noncurrent, loans exceed deposits, wholesale funding >15% |
| 2020-12 | 1 | capital falling | charge-offs p90 |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | loans exceed deposits, liquid assets <10% | capital falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 4 | capital falling, construction >100% equity |  |
| 2022-03 | 2 |  | liquid assets <10%, capital falling |
| 2022-06 | 2 |  |  |
| 2022-09 | 3 | capital falling |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 2 |  | capital falling |
| 2023-09 | 2 | uninsured deposits leaving | loans exceed deposits |
| 2023-12 | 3 | loans exceed deposits, wholesale funding >15% | uninsured deposits leaving |
| 2024-03 | 2 |  | loans exceed deposits |
| 2024-06 | 2 | loans exceed deposits | wholesale funding >15% |
| 2024-09 | 3 | brokered >10%, wholesale funding >15% | loans exceed deposits |
| 2024-12 | 4 | loans exceed deposits |  |
| 2025-03 | 5 | liquid assets <10% |  |
| 2025-06 | 3 |  | loans exceed deposits, liquid assets <10% |
| 2025-09 | 4 | loans exceed deposits |  |
| 2025-12 | 6 | charge-offs p90, reserve under noncurrent |  |
| 2026-03 | 4 |  | loans exceed deposits, charge-offs p90 |
| 2026-06 | 3 |  | reserve under noncurrent |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-08 [Texas Heritage National Bank opens new building - ssnewstelegram.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxOb3I3T3BFS3RFdGllV1JpdEpsa0NfZ2tmZWEyR01DQUtnU3pRTjJyR0RWTnJJSmZQbU1IcXY0ZUt5SXFwY0xNMk1wY01LYXBsTTlIMFk1M01VeFQxX3hfMVRXVWtmbThTU2wwNW9DVVFjNGRNS2ZOWmRxbEV2dFd5ejZLYTFhMjRxX0NFVzJR?oc=5) · ssnewstelegram.com
- 2017-06-15 [Texas Heritage National Bank Announces Promotion of Chris Gibbins to Sr. Vice President - Front Porch News Texas](https://news.google.com/rss/articles/CBMiygFBVV95cUxNR0xOT1lIYnVrVnRqX3JkX21HU0lpQ0VCMzd4Y3hBZTVWN1FfMFhES0tPYzd3Nzlid1k1ejQzdzVEM1A0cVE1bGxKU1RDNkd0QmYwYlltNlZvVVF6V2RPbkJoYXoxbHZicUNqYi0zWWg5cDViT0ZPMDRmWmljTncxTUs2UDZjZUx6VUxsS1FWaDBwZ2lVV2dQMnR3UGQydTFFal81dXo5WWp0QVZabE93eXpPd2p3dThMTzdyVHIza0ljSTdzUjhTMWd3?oc=5) · Front Porch News Texas
- 2021-11-06 [Heartsil Richey Obituary (1934 - 2012) - Shreveport, LA - Dallas News](https://news.google.com/rss/articles/CBMipAFBVV95cUxPOF9uVVZWOXBHZVdKa3lSOHRTM2xGV3JkVjR5a05LRXcxMUI3Vk9MSkhHRGI0X05QMzF2a1d1dGYwOHFEY3REeWQ0NU83NXVjRGphTVBMZEhZUmlRcm13Z1AxQWtMZ01DQUZrSG5tb2NRQ2pOaWttYzlqY3NMNlZ5VEozQUpXMnFaTHMyMzJYM0otRnFqSXpxcWdFeWE1X3NjWnNJVQ?oc=5) · Dallas News
- 2025-12-04 [Cheryl Durrett Obituary (2025) - Daingerfield, TX - Horn Family Funeral Home & Cremations - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxNSmFOd0U3TTZfZW1VMmVQODZzZzJoUWF1S3dKT2VRLTJPU1pGbUJacE0zdmpoRThlUFdxdVpTc2VhbjN3VVlDazF3X2tEOGFhSjJHbWxkSlFhbklFVkFhZHVrdkRtNTVFdlF0cHhXY1ZMX1R1VEp0MHM4UTFmdjA1a2Frbw?oc=5) · legacy.com
- 2025-10-27 [Winners of the 56th Annual World Champion Hopkins County Stew Contest Presented By Alliance Bank - Front Porch News Texas](https://news.google.com/rss/articles/CBMi1wFBVV95cUxOek43SkxvZkhuNFZQamRadTZVRmJPTEhZbHZEMWFUV0xJZHd0T2wwXy13ZXlIdHVkVDNPNGxmSWVqR3FvQnprZHlhV2VibmtDRzNxR0R1eXdIQzVMUnktbDA0WUFVTVNxXy1BYzZya09EVmFGdHVYWDQwQjdqUy1jNUlwaWxia1VkN2pJVkY4SWJ4ZU80QTJTWTZqWFhjNFp4bEN6UFExR1pfeWVFOFVnNm43d1ZoOUVuYVdLelc3ZHp2TWJ5bGJxUURJZzZIUXQxODlFSUh0bw?oc=5) · Front Porch News Texas
- 2024-10-28 [55th Annual World Champion Hopkins County Stew Contest 2024 Winners - Front Porch News Texas](https://news.google.com/rss/articles/CBMisAFBVV95cUxNWTMwNWtlRUZqdl9yaUVKcnRHNmVfWHFEWGd2SlZJQmpVQi1qS3hmVGowUFFtT1l4UWJRV0Ntd0JyakxGMFJQVEVrREI1WFZzRkttQ2tIRG0xUE5JTGk1SEdCMlpvbER4b2ZJb1VZRlFENGdvd3JaSlV1bExQRnBZeTVJSkpaVkQyMEltUkNfbDRscXpWOWdkUFBJVFFrc0hGM0g3bE5ETkdreW9YWlpaRw?oc=5) · Front Porch News Texas
- 2014-03-17 [Mr. Joe Donald Mashburn - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxOU0tmQ0N1cW9NMERPZEZKNlpjZmRtamJqTVFPOFBzQXhVWGdmXzZjT29WaWZQVHhMOWRYUU9ObXBLNnM0bHU1eDR4cTFwNzQ0a25kSll1djRKNmh3eGw4XzQ0MjQ1NmVRV2RHNE9BVU54N3pnRE90NGx1UWlnclpKNzJKRFAzcVQ2Mlp1a2pMVzdxZw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3161 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/25.json (key "3161", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide