Bridge City State Bank

Bridge City State Bank is headquartered in Bridge City and is the 342^nd largest bank in the state of Texas. It is also the 4,350^th largest bank in the nation. It was established in 1960 and as of December of 2011, it had grown to 34 employees at 2 locations. Bridge City State Bank has a 4-star health rating.

Bridge City State Bank Routing Number: 113123528

Data for Q4 2011

Institution Statistics Bridge City State Bank FDIC Certificate # 18155 BankRate Report View Year Established 1960 Employees 34 Primary Regulator FDIC Assets and Liabilities Assets $124.07 million Loans $56.58 million Deposits $109.32 million Equity Capital $14.12 million Loan Loss Allowance $930,000 Unbacked Noncurrent Loans $2.01 million Real Estate Owned $664,000 Historic Data - December 2010 Assets $119.24 million Equity Capital $13.22 million Loan Loss Allowance $886,000 Unbacked Noncurrent Loans $1.00 million Real Estate Owned $397,000 Profit Margin - Quarterly Net Interest Margin 4.08% Return on Assets 0.94% Return on Equity 8.34% Interest Income $5.25 million

Institution Health Overall Score: 4 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 Bridge City State Bank had $2.67 million in non-current loans and owned real-estate with $15.05 million in equity and loan loss allowances on hand to cover it. This gives Bridge City State Bank a Texas Ratio of 17.75% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Bridge City State Bank increased slightly from 9.92% as of December 31, 2010 to 17.75% as of December 31, 2011, resulting in a negative change of 78.83%. This indicates that the balance sheet and financial strength for Bridge City State Bank has declined slightly in recent periods. Deposit Growth In the past year, Bridge City State Bank has increased its total deposits by $3.92 million, resulting in 3.72% 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 Bridge City State Bank has shown is above 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. Bridge City State Bank has $124.07 million in assets with $15.05 million in equity, resulting in a capitalization level of 12.13%, which is excellent.

No reviews have been left for this bank yet. Be the first to review.