Institution Statistics
| Grandview Bank | | FDIC Certificate # | 3230 | | BankRate Report | View | | Year Established | 1890 | | Employees | 33 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $119.57 million | | Loans | $86.03 million | | Deposits | $107.94 million | | Equity Capital | $11.17 million | | Loan Loss Allowance | $1.05 million | | Unbacked Noncurrent Loans | $434,000 | | Real Estate Owned | $240,000 |
Historic Data - March 2011 | | Assets | $103.80 million | | Equity Capital | $10.03 million | | Loan Loss Allowance | $858,000 | | Unbacked Noncurrent Loans | $191,000 | | Real Estate Owned | $250,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.03% | | Return on Assets | 1.34% | | Return on Equity | 14.07% | | Interest Income | $1.46 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 Grandview Bank had $674,000 in non-current loans and owned real-estate with $12.21 million in equity and loan loss allowances on hand to cover it. This gives Grandview Bank a Texas Ratio of 5.52% 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 Grandview Bank held steady from 4.05% as of March 31, 2011 to 5.52% as of March 31, 2012, resulting in a negative change of 36.26%. This indicates that the balance sheet and financial strength for Grandview Bank has held steady in recent periods. | | Deposit Growth | | | In the past year, Grandview Bank has increased its total deposits by $14.55 million, resulting in 15.58% 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 Grandview 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. Grandview Bank has $119.57 million in assets with $12.21 million in equity, resulting in a capitalization level of 10.21%, which is above average. |
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Average User Rating:
Terrible Bank, It Is A Bank Based On Fees
This bank is based on fees, and will find ways to add fees to your account. The debit card doesn't work. The bank chooses what stores you can use your card at, i.e. you can't use your debit card to pay for Skype. If you complian all they will offer is to close you account. Run away from this bank (or Fee Masters), or you will pay an arm and a leg for thier 'free' checking account. This bank also doesn't like doing business with veterans, and will make fun of you if you say you are one. Again this bank is a dump.