BlastPoint's Banking Scorecard
Henderson Federal Savings Bank
Micro
Specialty: Mortgage
TX
FDIC cert 29241
Designations: ✓ Community bank ✓ Mutual
Henderson, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Henderson Federal Savings Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.74% above tier
- - Nonperforming Asset Ratio 2.04% above tier
- - Non-Interest Income / Assets 0.48% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$116.9M
+4.5% YoY
+0.5% QoQ
|
-$100.6M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
28% |
| Total Loans ? |
$80.4M
-5.4% YoY
-3.2% QoQ
|
-$58.8M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
34% |
| Total Deposits ? |
$86.5M
+4.2% YoY
+0.3% QoQ
|
-$97.2M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
24% |
| Return on Assets ? |
1.04%
-9.1% YoY
+1.4% QoQ
|
-0.04% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
49% |
| Net Interest Margin ? |
3.59%
-5.6% YoY
+1.1% QoQ
|
-0.26% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
38% |
| Efficiency Ratio ? |
62.36%
+3.3% YoY
+0.4% QoQ
|
-5.36% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
60% |
| Delinquency Rate ? |
3.38%
+107.9% YoY
-25.5% QoQ
|
+2.74% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
93.02%
-9.1% YoY
-3.4% QoQ
|
+18.49% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
83% |
| Non-Interest-Bearing Deposit Share ? |
9.00%
-12.2% YoY
-2.9% QoQ
|
-13.39% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 10% in tier |
| Nonperforming Asset Ratio ? |
2.50%
+61.2% YoY
-23.0% QoQ
|
+2.04% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.08%
-12.7% YoY
+37.6% QoQ
|
-0.48% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Bottom 6% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.38%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
2.50%
(Tier avg: 0.45%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Bottom 6%
in Micro
Why this stands out
Current:
0.08%
(Tier avg: 0.56%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
83
83th pctile
Loan-to-Deposit Ratio
Current: 93.02% · Tier avg: 74.53%
60
60th pctile
Efficiency Ratio
Current: 62.36% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
49
49th pctile
Return on Assets
Current: 1.04% · Tier avg: 1.08%
38
38th pctile
Net Interest Margin
Current: 3.59% · Tier avg: 3.85%
34
34th pctile
Total Loans
Current: $80.4M · Tier avg: $139.2M
28
28th pctile
Total Assets
Current: $116.9M · Tier avg: $217.5M
24
24th pctile
Total Deposits
Current: $86.5M · Tier avg: $183.7M
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 9.00% · Tier avg: 22.39%
6
6th pctile
Non-Interest Income / Assets
Current: 0.08% · Tier avg: 0.56%
0
0th pctile
Delinquency Rate
Current: 3.38% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.50% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.50% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 3.38% · Tier avg: 0.64%
6
6th pctile
Non-Interest Income / Assets
Current: 0.08% · Tier avg: 0.56%
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 9.00% · Tier avg: 22.39%
24
24th pctile
Total Deposits
Current: $86.5M · Tier avg: $183.7M
28
28th pctile
Total Assets
Current: $116.9M · Tier avg: $217.5M
34
34th pctile
Total Loans
Current: $80.4M · Tier avg: $139.2M
38
38th pctile
Net Interest Margin
Current: 3.59% · Tier avg: 3.85%
49
49th pctile
Return on Assets
Current: 1.04% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
60
60th pctile
Efficiency Ratio
Current: 62.36% · Tier avg: 67.73%
83
83th pctile
Loan-to-Deposit Ratio
Current: 93.02% · Tier avg: 74.53%