Institution Statistics
| Bank of Stronghurst | | FDIC Certificate # | 16413 | | BankRate Report | View | | Year Established | 1946 | | Employees | 21 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $76.82 million | | Loans | $17.60 million | | Deposits | $63.91 million | | Equity Capital | $12.57 million | | Loan Loss Allowance | $241,000 | | Unbacked Noncurrent Loans | $75,000 |
Historic Data - December 2010 | | Assets | $71.54 million | | Equity Capital | $10.77 million | | Loan Loss Allowance | $243,000 |
Profit Margin - Quarterly | | Net Interest Margin | 2.73% | | Return on Assets | 0.44% | | Return on Equity | 2.78% | | Interest Income | $2.64 million |
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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 Bank of Stronghurst had $75,000 in non-current loans and owned real-estate with $12.81 million in equity and loan loss allowances on hand to cover it. This gives Bank of Stronghurst a Texas Ratio of 0.59% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth | | | In the past year, Bank of Stronghurst has increased its total deposits by $3.42 million, resulting in 5.65% 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 Bank of Stronghurst 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. Bank of Stronghurst has $76.82 million in assets with $12.81 million in equity, resulting in a capitalization level of 16.68%, which is excellent. |
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