Institution Statistics
| HBank Texas | | FDIC Certificate # | 57027 | | BankRate Report | View | | Year Established | 2000 | | Employees | 15 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $113.06 million | | Loans | $56.64 million | | Deposits | $101.28 million | | Equity Capital | $11.63 million | | Loan Loss Allowance | $919,000 | | Unbacked Noncurrent Loans | $87,000 |
Historic Data - March 2011 | | Assets | $102.98 million | | Equity Capital | $11.03 million | | Loan Loss Allowance | $881,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.61% | | Return on Assets | 0.85% | | Return on Equity | 7.92% | | Interest Income | $1.04 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 HBank Texas had $87,000 in non-current loans and owned real-estate with $12.55 million in equity and loan loss allowances on hand to cover it. This gives HBank Texas a Texas Ratio of 0.69% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth | | | In the past year, HBank Texas has increased its total deposits by $9.39 million, resulting in 10.22% 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 HBank Texas 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. HBank Texas has $113.06 million in assets with $12.55 million in equity, resulting in a capitalization level of 11.10%, which is above average. |
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