Institution Statistics
| Guadalupe National Bank | | FDIC Certificate # | 58768 | | BankRate Report | View | | Year Established | 2008 | | Employees | 67 | | Primary Regulator | OCC |
Assets and Liabilities | | Assets | $94.62 million | | Loans | $61.19 million | | Deposits | $86.17 million | | Equity Capital | $8.39 million | | Loan Loss Allowance | $757,000 | | Unbacked Noncurrent Loans | $15,000 |
Historic Data - March 2011 | | Assets | $80.83 million | | Equity Capital | $8.28 million | | Loan Loss Allowance | $697,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.86% | | Return on Assets | 0.07% | | Return on Equity | 0.81% | | Interest Income | $933,000 |
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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 Guadalupe National Bank had $15,000 in non-current loans and owned real-estate with $9.15 million in equity and loan loss allowances on hand to cover it. This gives Guadalupe National Bank a Texas Ratio of 0.16% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth | | | In the past year, Guadalupe National Bank has increased its total deposits by $13.68 million, resulting in 18.87% 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 Guadalupe 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. Guadalupe National Bank has $94.62 million in assets with $9.15 million in equity, resulting in a capitalization level of 9.67%, which is average. |
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