Industry State Bank

Industry State Bank is headquartered in Industry and is the 101^st largest bank in the state of Texas. It is also the 1,422^nd largest bank in the nation. It was established in 1911 and as of March of 2012, it had grown to 75 employees at 4 locations. Industry State Bank's savings rates are 5X the national average, and it boasts a 5-star health rating.

Industry State Bank Routing Number: 113111077

Industry State Bank Checking Account Rates

Industry State Bank Savings Account Rates

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Industry State Bank CD Rates

Data for Q1 2012

Institution Statistics Industry State Bank FDIC Certificate # 12506 BankRate Report View Year Established 1911 Employees 75 Primary Regulator FDIC Assets and Liabilities Assets $473.32 million Loans $118.67 million Deposits $421.51 million Equity Capital $46.82 million Loan Loss Allowance $2.57 million Unbacked Noncurrent Loans $119,000 Real Estate Owned $200,000 Historic Data - March 2011 Assets $381.22 million Equity Capital $31.57 million Loan Loss Allowance $2.24 million Unbacked Noncurrent Loans $1.76 million Real Estate Owned $349,000 Profit Margin - Quarterly Net Interest Margin 3.05% Return on Assets 2.36% Return on Equity 24.22% Interest Income $4.81 million

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 Industry State Bank had $319,000 in non-current loans and owned real-estate with $49.38 million in equity and loan loss allowances on hand to cover it. This gives Industry State Bank a Texas Ratio of 0.65% 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 Industry State Bank decreased significantly from 6.23% as of March 31, 2011 to 0.65% as of March 31, 2012, resulting in a positive change of 89.63%.This indicates that the balance sheet and financial strength for Industry State Bank has improved significantly in recent periods. Deposit Growth In the past year, Industry State Bank has increased its total deposits by $75.53 million, resulting in 21.83% 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 Industry State 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. Industry State Bank has $473.32 million in assets with $49.38 million in equity, resulting in a capitalization level of 10.43%, which is above average.

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