Border Capital Bank, National Association

Border Capital Bank, National Association is headquartered in Mcallen and is the 276^th largest bank in the state of Texas. It is also the 3,540^th largest bank in the nation. It was established in 1984 and as of December of 2011, it had grown to 65 employees at 4 locations. Border Capital Bank, National Association has a 3-star health rating.

Data for Q4 2011

Institution Statistics Border Capital Bank, National Association FDIC Certificate # 24935 BankRate Report View Year Established 1984 Employees 65 Primary Regulator OCC Assets and Liabilities Assets $167.79 million Loans $99.91 million Deposits $142.50 million Equity Capital $21.81 million Loan Loss Allowance $2.75 million Unbacked Noncurrent Loans $7.87 million Real Estate Owned $5.36 million Historic Data - December 2010 Assets $170.41 million Equity Capital $20.77 million Loan Loss Allowance $3.31 million Unbacked Noncurrent Loans $10.13 million Real Estate Owned $3.57 million Profit Margin - Quarterly Net Interest Margin 4.31% Return on Assets 0.44% Return on Equity 3.49% Interest Income $7.38 million

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 Border Capital Bank, National Association had $13.23 million in non-current loans and owned real-estate with $24.56 million in equity and loan loss allowances on hand to cover it. This gives Border Capital Bank, National Association a Texas Ratio of 53.88% 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 Border Capital Bank, National Association held steady from 62.33% as of December 31, 2010 to 53.88% as of December 31, 2011, resulting in a positive change of 13.56%.This indicates that the balance sheet and financial strength for Border Capital Bank, National Association has held steady in recent periods. Deposit Growth In the past year, Border Capital Bank, National Association has decreased its total deposits by -$3.91 million, resulting in -2.67% 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 Border Capital Bank, National Association has shown is below average. 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. Border Capital Bank, National Association has $167.79 million in assets with $24.56 million in equity, resulting in a capitalization level of 14.64%, which is excellent.

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