HCSB Bank

201 West 6th Street
Plainview, TX 79072
806-293-3635
www.hcsb.com

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HCSB Bank is headquartered in Plainview and is the 125^th largest bank in the state of Texas. It is also the 1,700^th largest bank in the nation. It was established in 1934 and as of September of 2011, it had grown to 103 employees at 6 locations. HCSB Bank has a 4-star health rating.

HCSB Bank In TX Is Coding All Online Non-Pin Transaction As ATM Transactions (Forum) - 6/22/2011

Hello ALL I recently noticed that all my online transactions (mostly donations) started getting coded as ATM transaction for the HCSB bank. I have this account for many months and it was nationwide before so i was able to enroll. Since the start all my o

HCSB Cuts Reward Checking Rate To 2.78% (Forum) - 11/1/2010

The top rate fell from 3.26% to 2.78% APY for balances up to $25K. Second tier rate also fell (1.01% to 0.75%). HCSB Reward Checking was one of the very few nationwide accounts with rates over 3.00% for balances up to $25K. At least it remains nationall

Newly Updated List of the 5 Best Reward Checking Accounts Available Nationwide - 9/8/2010

I last reviewed the 5 best reward checking accounts in July . Since that time, 2 of the 5 banks have fallen off the list. I thought it would be useful to update the list with the ones that still have ...

High-Yield Reward Checking Account at HCSB in Texas - 2/9/2010

HCSB, A State Banking Association is offering a high-yield reward checking account called HCSB Reward Checking . The account offers the following rates and features if certain monthly requirements ar ...

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See Rates for: Checking | Savings | Money Market | CD | IRA

HCSB Bank Checking Account Rates

Apy	Min	Max	Product
2.27%	-	$25k	HCSB Reward Checking
0.15%	$1k	-	HCSB Grand Checking

HCSB Bank Savings Account Rates

	Apy	Min	Max	Product
	0.70%	$300k	-	HCSB Savings Gold

HCSB Bank Money Market Rates

	Apy	Min	Max	Product
	0.70%	$250k	-	HCSB Money Market Deposit Account

HCSB Bank CD Rates

Apy	Min	Max	Product
1.91%	-	-	5 Year CD Special
1.10%	$50k	-	5 Year Jumbo CD
1.00%	$50k	-	3 Year Jumbo CD
1.00%	-	-	2 Year CD Special
0.90%	$1k	-	5 Year CD
0.90%	$50k	-	30 Month Jumbo CD
0.80%	$1k	-	3 Year CD
0.80%	$50k	-	2 Year Jumbo CD
0.80%	-	-	18 Month CD Special
0.70%	$1k	-	2 1/2 Year CD
0.70%	-	-	1 Year CD Special
0.60%	$1k	-	2 Year CD
0.60%	$50k	-	1 Year Jumbo CD
0.50%	$50k	-	180 Day Jumbo CD
0.50%	$1k	-	7 Month CD Special
0.40%	$1k	-	1 Year CD
0.40%	$50k	-	90 Day Jumbo CD
0.30%	$1k	-	180 - 364 Day CD
0.30%	$50k	-	30 Day Jumbo CD
0.20%	$1k	-	90 - 179 Day CD
0.10%	$1k	-	30 - 89 Day CD

HCSB Bank IRA Rates

Apy	Min	Max	Product
0.80%	$1k	-	IRA 1 1/2 Years
0.80%	$1k	-	Roth IRA 1 1/2 Years
0.80%	$1k	-	SEP IRA 1 1/2 Years
0.80%	$1k	-	SIMPLE IRA 1 1/2 Years
0.70%	$1k	-	IRA 1 Year
0.70%	$1k	-	Roth IRA 1 Year
0.70%	$1k	-	SEP IRA 1 Year
0.70%	$1k	-	SIMPLE IRA 1 Year

Rates updated: 2/11/2012

Data for Q3 2011

Institution Statistics

HCSB
FDIC Certificate #	14562
BankRate Report	View
Year Established	1934
Employees	103
Primary Regulator	FED
Assets and Liabilities
Assets	$387.34 million
Loans	$229.13 million
Deposits	$336.97 million
Equity Capital	$34.89 million
Loan Loss Allowance	$2.90 million
Unbacked Noncurrent Loans	$2.81 million
Real Estate Owned	$223,000
Historic Data - September 2010
Assets	$346.05 million
Equity Capital	$29.38 million
Loan Loss Allowance	$2.56 million
Unbacked Noncurrent Loans	$3.52 million
Real Estate Owned	$386,000
Profit Margin - Quarterly
Net Interest Margin	4.39%
Return on Assets	1.45%
Return on Equity	17.65%
Interest Income	$13.02 million

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 September 30, 2011 HCSB Bank had $3.04 million in non-current loans and owned real-estate with $37.79 million in equity and loan loss allowances on hand to cover it. This gives HCSB Bank a Texas Ratio of 8.03% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for HCSB Bank decreased slightly from 12.22% as of September 30, 2010 to 8.03% as of September 30, 2011, resulting in a positive change of 34.29%.This indicates that the balance sheet and financial strength for HCSB Bank has improved slightly in recent periods.
Deposit Growth
In the past year, HCSB Bank has increased its total deposits by $28.19 million, resulting in 9.13% 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 HCSB 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. HCSB Bank has $387.34 million in assets with $37.79 million in equity, resulting in a capitalization level of 9.76%, which is average.