Institution Statistics
| Grand Bank | | FDIC Certificate # | 57378 | | BankRate Report | View | | Year Established | 2002 | | Employees | 37 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $514.56 million | | Loans | $162.55 million | | Deposits | $403.00 million | | Equity Capital | $34.39 million | | Loan Loss Allowance | $2.71 million |
Historic Data - March 2011 | | Assets | $409.61 million | | Equity Capital | $32.66 million | | Loan Loss Allowance | $2.70 million |
Profit Margin - Quarterly | | Net Interest Margin | 1.88% | | Return on Assets | 0.48% | | Return on Equity | 6.63% | | Interest Income | $2.66 million |
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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 Grand Bank (TX) had $0 in non-current loans and owned real-estate with $37.1 million in equity and loan loss allowances on hand to cover it. This gives Grand Bank (TX) 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, Grand Bank (TX) has increased its total deposits by $100.31 million, resulting in 33.14% 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 Grand Bank (TX) 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. Grand Bank (TX) has $514.56 million in assets with $37.1 million in equity, resulting in a capitalization level of 7.21%, which is below average. |
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