Institution Statistics
| Founders Bank & Trust | | FDIC Certificate # | 33533 | | BankRate Report | View | | Year Established | 1991 | | Employees | 87 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $452.37 million | | Loans | $329.42 million | | Deposits | $373.56 million | | Equity Capital | $43.76 million | | Loan Loss Allowance | $4.27 million | | Unbacked Noncurrent Loans | $2.18 million | | Real Estate Owned | $2.06 million |
Historic Data - December 2011 | | Assets | $430.78 million | | Equity Capital | $39.43 million | | Loan Loss Allowance | $4.21 million | | Unbacked Noncurrent Loans | $2.41 million | | Real Estate Owned | $2.89 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.83% | | Return on Assets | 1.48% | | Return on Equity | 15.49% | | Interest Income | $19.23 million |
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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, 2012 Founders Bank & Trust had $4.24 million in non-current loans and owned real-estate with $48.02 million in equity and loan loss allowances on hand to cover it. This gives Founders Bank & Trust a Texas Ratio of 8.84% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend | | | The Texas Ratio for Founders Bank & Trust decreased slightly from 12.09% as of December 31, 2011 to 8.84% as of December 31, 2012, resulting in a positive change of 26.87%.This indicates that the balance sheet and financial strength for Founders Bank & Trust has improved slightly in recent periods. | | Deposit Growth | | | In the past year, Founders Bank & Trust has increased its total deposits by $9.32 million, resulting in 2.56% 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 Founders Bank & Trust 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. Founders Bank & Trust has $452.36 million in assets with $48.02 million in equity, resulting in a capitalization level of 10.62%, which is above average. |
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