Institution Statistics
| Jourdanton State Bank | | FDIC Certificate # | 15879 | | BankRate Report | View | | Year Established | 1942 | | Employees | 41 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $123.89 million | | Loans | $28.16 million | | Deposits | $106.53 million | | Equity Capital | $16.30 million | | Loan Loss Allowance | $475,000 | | Unbacked Noncurrent Loans | $464,000 | | Real Estate Owned | $1.31 million |
Historic Data - March 2011 | | Assets | $104.87 million | | Equity Capital | $15.84 million | | Loan Loss Allowance | $230,000 | | Unbacked Noncurrent Loans | $1.30 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.54% | | Return on Assets | 0.52% | | Return on Equity | 3.79% | | Interest Income | $941,000 |
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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 Jourdanton State Bank had $1.78 million in non-current loans and owned real-estate with $16.77 million in equity and loan loss allowances on hand to cover it. This gives Jourdanton State Bank a Texas Ratio of 10.59% 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 Jourdanton State Bank held steady from 8.00% as of March 31, 2011 to 10.59% as of March 31, 2012, resulting in a negative change of 32.32%. This indicates that the balance sheet and financial strength for Jourdanton State Bank has held steady in recent periods. | | Deposit Growth |  | | In the past year, Jourdanton State Bank has increased its total deposits by $18.61 million, resulting in 21.17% 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 Jourdanton 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. Jourdanton State Bank has $123.89 million in assets with $16.77 million in equity, resulting in a capitalization level of 13.54%, which is excellent. |
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Average User Rating:
Great Little Bank
This is a good bank. It is a small bank with just a few branches in little towns in Texas. I used to live in Jourdanton, Texas where this bank originated. I have been banking with them since about 2004. They have great customer service. They are aways really friendly and ready to offer assistance or answer any of my questions. They have a overdraft protection program that has really helped me. They have some great savings programs as well which I plan to look into in the future.