Gladewater National Bank

Gladewater National Bank is headquartered in Gladewater and is the 555^th largest bank in the state of Texas. It is also the 6,733^rd largest bank in the nation. It was established in 1982 and as of March of 2012, it had grown to 13 employees at 2 locations. Gladewater National Bank's savings rates are 44% higher than the national average, and it has a 4-star health rating.

Gladewater National Bank Routing Number: 111910445

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Data for Q1 2012

Institution Statistics Gladewater National Bank FDIC Certificate # 23835 BankRate Report View Year Established 1982 Employees 13 Primary Regulator OCC Assets and Liabilities Assets $38.23 million Loans $20.09 million Deposits $31.65 million Equity Capital $6.36 million Loan Loss Allowance $546,000 Unbacked Noncurrent Loans $1.18 million Real Estate Owned $13,000 Historic Data - March 2011 Assets $31.16 million Equity Capital $3.61 million Loan Loss Allowance $482,000 Unbacked Noncurrent Loans $568,000 Real Estate Owned $257,000 Profit Margin - Quarterly Net Interest Margin 3.99% Return on Assets 0.56% Return on Equity 4.04% Interest Income $385,000

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 March 31, 2012 Gladewater National Bank had $1.19 million in non-current loans and owned real-estate with $6.9 million in equity and loan loss allowances on hand to cover it. This gives Gladewater National Bank a Texas Ratio of 17.24% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Gladewater National Bank held steady from 20.17% as of March 31, 2011 to 17.24% as of March 31, 2012, resulting in a positive change of 14.49%.This indicates that the balance sheet and financial strength for Gladewater National Bank has held steady in recent periods. Deposit Growth In the past year, Gladewater National Bank has increased its total deposits by $4.3 million, resulting in 15.73% 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 Gladewater National 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. Gladewater National Bank has $38.22 million in assets with $6.9 million in equity, resulting in a capitalization level of 18.05%, which is excellent.

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