Institution Statistics
| Bryant State Bank | | FDIC Certificate # | 6064 | | BankRate Report | View | | Year Established | 1915 | | Employees | 6 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $23.39 million | | Loans | $10.39 million | | Deposits | $19.94 million | | Equity Capital | $3.05 million | | Loan Loss Allowance | $209,000 | | Unbacked Noncurrent Loans | $14,000 |
Historic Data - December 2010 | | Assets | $21.85 million | | Equity Capital | $2.88 million | | Loan Loss Allowance | $206,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.29% | | Return on Assets | 1.22% | | Return on Equity | 9.27% | | Interest Income | $802,000 |
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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 Bryant State Bank had $14,000 in non-current loans and owned real-estate with $3.26 million in equity and loan loss allowances on hand to cover it. This gives Bryant State Bank a Texas Ratio of 0.43% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth | | | In the past year, Bryant State Bank has increased its total deposits by $1.4 million, resulting in 7.57% 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 Bryant State Bank 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. Bryant State Bank has $23.39 million in assets with $3.26 million in equity, resulting in a capitalization level of 13.91%, which is excellent. |
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