Texas Heritage National Bank

Texas Heritage National Bank is a community bank headquartered in Daingerfield, Texas, founded in 1889 and primarily serving Northeast Texas. It offers small-business borrowers a range of commercial products including lines of credit, term loans, equipment finance, commercial real estate financing, and construction finance, alongside agricultural loans — a specialty that reflects the region it serves. As a long-standing community institution, it may appeal to local business owners who prefer a relationship-banking approach over a national lender. However, borrowers should be aware of a notable concern: the Office of the Comptroller of the Currency (OCC) entered into a Formal Agreement (enforcement action AA-SO-2025-32) with the bank in 2025. This is a serious regulatory action that prospective borrowers should review before proceeding. Specific rates, minimums, and approval criteria are not publicly disclosed; direct outreach to the bank is necessary to assess fit.