Institution Statistics
| Dysart State Bank | | FDIC Certificate # | 17441 | | BankRate Report | View | | Year Established | 1934 | | Employees | 5 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $14.38 million | | Loans | $4.27 million | | Deposits | $12.98 million | | Equity Capital | $1.11 million | | Loan Loss Allowance | $8,000 |
Historic Data - March 2011 | | Assets | $10.96 million | | Equity Capital | $1.16 million | | Loan Loss Allowance | $8,000 | | Unbacked Noncurrent Loans | $2,000 |
Profit Margin - Quarterly | | Net Interest Margin | 2.06% | | Return on Assets | -0.67% | | Return on Equity | -8.59% | | Interest Income | $77,000 |
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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 March 31, 2012 Dysart State Bank had $0 in non-current loans and owned real-estate with $1.11 million in equity and loan loss allowances on hand to cover it. This gives Dysart State Bank 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, Dysart State Bank has increased its total deposits by $3.18 million, resulting in 32.53% 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 Dysart 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. Dysart State Bank has $14.38 million in assets with $1.11 million in equity, resulting in a capitalization level of 7.74%, which is below average. |
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