Bank · FDIC insured
Texas Heritage National Bank
A $936.4M bank headquartered in Daingerfield, TX, with 6 branches in Texas. Best rates: CDs 3.80% and savings 1.00% APY.
Texas Heritage National Bank Carrot Score
79
Carrot Score
Higher than 50% of U.S. banks and credit unions
#9 of 17 in Longview, TX metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Texas Heritage National Bank
Established in 1889, Texas Heritage National Bank operates seven branch locations across Texas, serving communities from the Dallas-Fort Worth metroplex to the Pineywoods.
- Headquarters
- 107 Webb St, Daingerfield, TX 75638
- FDIC certificate
- 3161 ↗
Branches
6 branches in Texas
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Texas
6 branches
Mount Pleasant area · 2
- Texas Heritage National BankMain office107 Webb St, Daingerfield, TX 75638Directions
- Omaha Branch201 West Main, Omaha, TX 75571Directions
Longview area · 2
- Gilmer Branch795 Us Highway 271 N, Gilmer, TX 75644Directions
- Ore City Branch215 Us Highway 259 S, Ore City, TX 75683Directions
Dallas area · 1
- Dallas Branch Office4801 Spring Valley Rd, Farmers Branch, TX 75244Directions
Sulphur Springs area · 1
- Sulphur Springs Branch215 N Hillcrest Dr, Sulphur Springs, TX 75482Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.17% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.27% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.42% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $99 | $81 | — |
- CapitalLeverage ratio10.17%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.27%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.42%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$99Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Texas Heritage National Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.