Cendera Bank
Bells, TX
IDRSSD: 89957
Total Assets
$246.14M
Latest filing
Total Deposits
$218.00M
Latest filing
Net Interest Margin
4.23%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Cendera Bank
615 E Bells Blvd
Bells, TX 75414
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1904FDIC Certificate 1976
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Cendera Bank (Main) | 615 E Bells Blvd | Bells, TX |
| CENDERA FORT WORTH BRANCH | 2912 W 6th St | Fort Worth, TX |
| TYLER BRANCH OFFICE | 4100 S Broadway Ave | Tyler, TX |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 01/01/1904 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 75414 |
| State and County Number | 48181 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 11 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Sherman-Denison, TX |
Operational Info
| Number of Employees | 33 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 10/01/2025 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://cenderabank.com |
| Data Updated | 11/14/2025 |
| CERT | 3098 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $246.14M |
| Total Deposits | $218.00M |
| Total Liabilities | $219.42M |
| Total Equity Capital | $26.72M |
| Net Income | $276.00k |
| Net Loans and Leases | $190.53M |
| Assets Per Employee ($Millions) | $7.46M |
| Bank Premises and Fixed Assets | $10.68M |
| Cash and Balances due from Depository Institutions | $34.79M |
| Deposits Held in Domestic Offices | $218.00M |
Key Performance Ratios
| Return on Assets (ROA) | 0.47% |
| Return on Equity (ROE) | 4.16% |
| Net Interest Margin | 4.23% |
| Efficiency Ratio | 84.1% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.07% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.855% |
| Earning Assets to total Assets | 93.5% |
Income and Expense
| Total Interest Income | $4.16M |
| Total Noninterest Income | $82.00k |
| Total Interest Expense | $1.80M |
| Total Noninterest Expense | $2.05M |
| Net Interest Income | $2.36M |
| Pre-tax Net Operating Income | $348.00k |
| Provision for Credit Losses | $40.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $74.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.42M |
| Total Liabilities and Capital | $246.14M |
Securities
| Securities | $5.40M |
| Available-for-sale debt securities | $5.40M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Cendera Bank?
$246.14M as of the latest filing.
How much are Cendera Bank's total deposits?
$218.00M in total deposits.
Where is Cendera Bank located?
Bells, TX.
What is the Net Interest Margin?
4.23%.
How many domestic offices does it operate?
3.
When was it established?
01/01/1904.
What is the Return on Assets (ROA)?
0.47%.
How much are total loans and leases?
$190.53M (latest filing).
What is the total interest income (latest filing)?
$4.16M.