Cendera Bank

BankBells, Texas
http://cenderabank.com

Total Assets

$227.9M

Total Deposits

$199.4M

Branches

3

Established

1904

TFS Health Grade

$
D-

62.4 / 100

Below average financial health

How we grade

Cendera Bank is a bank headquartered in Bells, Texas, established in 1904. With $227.9M in total assets and 3 branch locations, it has a TFS Financial Health Grade of D- (62.4/100).

Capital & Safety

Tier 1 Capital Ratio
11.09%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.40%

Profitability

Return on Assets (ROA)
0.29%(1%)
Return on Equity (ROE)
2.55%(10%)
Net Interest Margin
4.18%
Efficiency Ratio
87.40%(60%)

Lending & Liquidity

Total Loans
$176.6M
Loan-to-Deposit Ratio
87.56%
Net Charge-Off Ratio
0.04%

Growth

Asset Growth (YoY)
+0.98%
Deposit Growth (YoY)
+0.32%
Net Income
$674.0K

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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