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Overview / Commentary
107 West Fayette Street
Fayetteville, TX 78940

Fayetteville Bank is headquartered in Fayetteville and is the 151st largest bank in the state of Texas. It is also the 1,774th largest bank in the nation. It was established in 1917 and as of June of 2014, it had grown to 29 employees at 3 locations. Fayetteville Bank's savings rates are 4X the national average, and it has a A health rating.

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Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 Fayetteville Bank had $893,000 in non-current loans and owned real-estate with $34.61 million in equity and loan loss allowances on hand to cover it. This gives Fayetteville Bank a Texas Ratio of 2.58% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Fayetteville Bank experienced no significant changes from 0.52% as of June 30, 2013 to 2.58% as of June 30, 2014, resulting in a negative change of 396.39%. This indicates that the balance sheet and financial strength for Fayetteville Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Fayetteville Bank has increased its total deposits by $21.73 million, resulting in 6.92% 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 Fayetteville Bank has shown is excellent.



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. Fayetteville Bank has $371.05 million in assets with $34.61 million in equity, resulting in a capitalization level of 9.33%, which is average.

Institution Statistics

FDIC Certificate #3195
Year Established1917
Primary RegulatorFDIC
Assets and Liabilities
Assets$371.05 million
Loans$55.51 million
Deposits$335.77 million
Equity Capital$33.37 million
Loan Loss Allowance$1.24 million
Unbacked Noncurrent Loans$893,000
Real Estate Owned$0
Historic Data - June 2013
Assets$341.00 million
Equity Capital$25.52 million
Loan Loss Allowance$1.23 million
Unbacked Noncurrent Loans$893,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets1.32%
Return on Equity17.82%
Interest Income$6.59 million

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Fayetteville Bank Savings Account Rates

2.02%$100-IRA Savings
0.60%$25-Christmas Club Savings
0.28%$10k-Health Savings Account

Fayetteville Bank Money Market Rates

0.92%$250k-Gold Star Money Market Account

Fayetteville Bank Checking Account Rates

0.25%--Gold Star Checking

Fayetteville Bank CD Rates

1.68%$100k-60 Month Jumbo CD
1.57%$500$100k60 Month CD
1.43%$100k-48 Month Jumbo CD
1.33%$500$100k48 Month CD
1.33%$100k-36 Month Jumbo CD
1.23%$500$100k36 Month CD
1.18%$100k-24 Month Jumbo CD
1.13%$100k-18 Month Jumbo CD
1.08%$500$100k24 Month CD
1.08%$100k-12 Month Jumbo CD
1.03%$500$100k18 Month CD
0.98%$500$100k12 Month CD
0.95%$100k-6 Month Jumbo CD
0.85%$500$100k6 Month CD
0.54%$100k-3 Month Jumbo CD
0.39%$500$100k3 Month CD
0.27%$100k-1 Month Jumbo CD
0.17%$500$100k1 Month CD

Fayetteville Bank Locations
Fayetteville Bank123 North Washington StreetFayetteville, TX 78940
Schulenburg Branch200 North Kessler AvenueSchulenburg, TX 78956
W. Travis Lagrange Branch366 W. TravisLA Grange, TX 78945