Institution Statistics
| Bank of Upson | | FDIC Certificate # | 17041 | | BankRate Report | View | | Year Established | 1951 | | Employees | 104 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $318.33 million | | Loans | $161.30 million | | Deposits | $283.84 million | | Equity Capital | $31.01 million | | Loan Loss Allowance | $4.02 million | | Unbacked Noncurrent Loans | $9.99 million | | Real Estate Owned | $3.91 million |
Historic Data - December 2010 | | Assets | $341.38 million | | Equity Capital | $30.12 million | | Loan Loss Allowance | $5.77 million | | Unbacked Noncurrent Loans | $14.66 million | | Real Estate Owned | $2.84 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.96% | | Return on Assets | 0.26% | | Return on Equity | 2.88% | | Interest Income | $13.13 million |
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Institution Health
Overall Score:
3 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 Upson had $13.9 million in non-current loans and owned real-estate with $35.03 million in equity and loan loss allowances on hand to cover it. This gives Bank of Upson a Texas Ratio of 39.68% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Bank of Upson decreased significantly from 77.95% as of December 31, 2010 to 39.68% as of December 31, 2011, resulting in a positive change of 49.09%.This indicates that the balance sheet and financial strength for Bank of Upson has improved significantly in recent periods. | | Deposit Growth |  | | In the past year, Bank of Upson has decreased its total deposits by -$23.66 million, resulting in -7.69% 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 Upson has shown is poor. | | 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 Upson has $318.32 million in assets with $35.03 million in equity, resulting in a capitalization level of 11.01%, which is above average. |
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Average User Rating:
Charged Overdraft
Recently my wife was charged an overdraft fee and was told she was $100 overdrawn. After careful review she went to the bank with her problem. They also couldn't find a mistake but didn't look in to it farther. We really believe the bank made a mistake but they didn't seem interested in helping us. We have since closed our bank accounts. After banking with them for 30+ years, we feel my wife deserved better treatment than she recieved.
David and Janet Busha