Institution Statistics
| Bandera First State Bank | | FDIC Certificate # | 58932 | | BankRate Report | View | | Year Established | 2009 | | Employees | 10 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $40.19 million | | Loans | $11.37 million | | Deposits | $34.70 million | | Equity Capital | $5.42 million | | Loan Loss Allowance | $118,000 |
Historic Data - December 2010 | | Assets | $26.31 million | | Equity Capital | $5.67 million | | Loan Loss Allowance | $88,000 |
Profit Margin - Quarterly | | Net Interest Margin | 2.32% | | Return on Assets | -1.09% | | Return on Equity | -6.37% | | Interest Income | $902,000 |
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Institution Health
Overall Score:
5 out of 5 
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Bandera First State Bank had $0 in non-current loans and owned real-estate with $5.54 million in equity and loan loss allowances on hand to cover it. This gives Bandera First State Bank a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth | | | In the past year, Bandera First State Bank has increased its total deposits by $14.12 million, resulting in 68.6% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bandera First State Bank has shown is excellent. | | Capitalization | | | Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bandera First State Bank has $40.19 million in assets with $5.54 million in equity, resulting in a capitalization level of 13.77%, which is excellent. |
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