Institution Statistics
| Excel Bank | | FDIC Certificate # | 19189 | | BankRate Report | View | | Year Established | 1964 | | Employees | 53 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $218.54 million | | Loans | $158.51 million | | Deposits | $196.34 million | | Equity Capital | $8.83 million | | Loan Loss Allowance | $7.36 million | | Unbacked Noncurrent Loans | $37.46 million | | Real Estate Owned | $10.65 million |
Historic Data - March 2011 | | Assets | $272.60 million | | Equity Capital | $19.20 million | | Loan Loss Allowance | $6.84 million | | Unbacked Noncurrent Loans | $16.46 million | | Real Estate Owned | $5.33 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.27% | | Return on Assets | -1.94% | | Return on Equity | -47.14% | | Interest Income | $2.21 million |
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Institution Health
Overall Score:
1 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 Excel Bank had $48.11 million in non-current loans and owned real-estate with $16.19 million in equity and loan loss allowances on hand to cover it. This gives Excel Bank a Texas Ratio of 297.18% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Excel Bank increased slightly from 83.64% as of March 31, 2011 to 297.18% as of March 31, 2012, resulting in a negative change of 255.31%. This indicates that the balance sheet and financial strength for Excel Bank has declined slightly in recent periods. | | Deposit Growth | | | In the past year, Excel Bank has decreased its total deposits by -$25.62 million, resulting in -11.54% 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 Excel Bank 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. Excel Bank has $218.54 million in assets with $16.19 million in equity, resulting in a capitalization level of 7.41%, which is below average. |
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