Institution Statistics
| Bank of Texas | | FDIC Certificate # | 18576 | | BankRate Report | View | | Year Established | 1962 | | Employees | 14 | | Primary Regulator | FED |
Assets and Liabilities | | Assets | $150.25 million | | Loans | $117.14 million | | Deposits | $126.65 million | | Equity Capital | $23.45 million | | Loan Loss Allowance | $1.50 million |
Historic Data - December 2010 | | Assets | $97.28 million | | Equity Capital | $22.53 million | | Loan Loss Allowance | $1.05 million | | Real Estate Owned | $5,000 |
Profit Margin - Quarterly | | Net Interest Margin | 2.8% | | Return on Assets | 0.63% | | Return on Equity | 3.39% | | Interest Income | $4.45 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 Texas (18576) had $0 in non-current loans and owned real-estate with $24.95 million in equity and loan loss allowances on hand to cover it. This gives Bank of Texas (18576) 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, Bank of Texas (18576) has increased its total deposits by $51.97 million, resulting in 69.58% 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 Texas (18576) 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 Texas (18576) has $150.24 million in assets with $24.95 million in equity, resulting in a capitalization level of 16.61%, which is excellent. |
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