HBank Texas

Headquarters

4501 William D. Tate Ave.
Grapevine, TX 76051
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.05% →
1-Year CD N.A. 0.95% →
2-Year CD N.A. 1.05% →
5-Year CD N.A. 2.25% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

HBank Texas is an FDIC insured institution located in Grapevine, TX. It was founded in 2000 and has approximately $0.14 billion in assets.

FDIC Insured Yes
FDIC Certificate # 57027
Date Established 2000
Assets $ 121.33 million
Loans $ 61.12 million
Deposits $ 107.55 million
Capital $ 13.70 million
 

For a more detailed analysis of HBank Texas's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 21, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - September 21, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for HBank Texas

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.815% 2.750% 0.88 $2,122 $1,021 Learn More
Rocket Mortgage
NMLS ID: 3030
3.872% 3.750% 1.00 $3,750 $1,158 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
People's United Bank, N.A.
People's United Bank, N.A.
See Table
4.000 %
$0 Learn More
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Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.990 %
$0 Learn More
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Note to HBank Texas
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

HBank Texas branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


HBank Texas Locations


Financial Details

HBank Texas Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of HBank Texas. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
HBank Texas U.S. Bank Average
0% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, HBank Texas had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $13,700,000 in equity and $1,290,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
HBank Texas U.S. Bank Average
9.96% 7.80%

HBank Texas has a Return on Equity of 9.96% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
HBank Texas U.S. Bank Average
11.29% 12.68%

HBank Texas has a Capitalization of 11.29% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

HBank Texas Balance Sheet Analysis

As of September 30, 2014, HBank Texas had assets of $136,425,000, loans of $61,121,000, and deposits of $107,552,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 61.12 million
Loan loss allowance $ 1.29 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 107.55 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 121.33 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in HBank Texas’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in Texas, HBank Texas has a significantly higher percent of Consumer Auto Loans, Small Business Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 25.08
Multifamily
Mortgages
1.35
Credit Card Loans 0.00
Consumer Auto Loans 8.63
Small Business Loans 12.18
Construction and Development Loans 17.02
Commercial Real Estate 26.20
Commercial and Industrial Loans 21.05
Farm Loans 0.00

Frequently Asked Questions About Hbank Texas

Branches and Savings

Is Hbank Texas FDIC insured?

Yes. It is covered under FDIC Certificate #57027.

Why does Hbank Texas pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Hbank Texas CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Hbank Texas a commercial bank?

Yes

Where are Hbank Texas locations?

See branch locations nearby.

Is Hbank Texas open on Saturdays?

Is Hbank Texas open on Sundays?

What time does Hbank Texas open?

What time does Hbank Texas close?

Are Hbank Texas ATMs Open 24/7?

Do Hbank Texas ATMs accept cash deposits?

Can Hbank Texas customers use other ATMs?

Do Hbank Texas branches have notaries?

Will Hbank Texas notarize my document?

What address for Hbank Texas should I put for incoming ACH transfers?

Will the Hbank Texas branch print checks?

Do Hbank Texas checks expire?

Does Hbank Texas require US citizenship to open account?

Can Hbank Texas close my account?

Does Hbank Texas Report to credit bureaus?

Does Hbank Texas Use Equifax?

What is Hbank Texas's ACH Routing Number?

What is Hbank Texas's SWIFT code?

Products

Does Hbank Texas offer mortgages?

Compare mortgage rates here.

Does Hbank Texas offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Hbank Texas offer personal loans?

Compare personal loan rates here.

Does Hbank Texas offer student loans?

Will Hbank Texas cash a check?

Will Hbank Texas redeem a savings bond?

Does Hbank Texas cash savings bonds?

Will Hbank Texas cash money orders?

Can Hbank Texas issue a money order?

Does Hbank Texas do currency exchange?

Background on The Bank

Who owns Hbank Texas?

How long has Hbank Texas been around?

Can Hbank Texas transfer to other banks?

Does Hbank Texas have quick pay?

Does Hbank Texas accept rolled coins?

Will Hbank Texas accept loose change?

Where is Hbank Texas headquarters?

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