Institution Statistics
| Mansfield State Bank | | FDIC Certificate # | 11136 | | BankRate Report | View | | Year Established | 1903 | | Employees | 3 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $14.04 million | | Loans | $1.27 million | | Deposits | $12.15 million | | Equity Capital | $1.86 million | | Loan Loss Allowance | $62,000 | | Unbacked Noncurrent Loans | $32,000 |
Historic Data - March 2011 | | Assets | $12.80 million | | Equity Capital | $1.88 million | | Loan Loss Allowance | $62,000 |
Profit Margin - Quarterly | | Net Interest Margin | 1.67% | | Return on Assets | -0.3% | | Return on Equity | -2.16% | | Interest Income | $59,000 |
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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 Mansfield State Bank had $32,000 in non-current loans and owned real-estate with $1.92 million in equity and loan loss allowances on hand to cover it. This gives Mansfield State Bank a Texas Ratio of 1.67% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth | | | In the past year, Mansfield State Bank has increased its total deposits by $1.27 million, resulting in 11.68% 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 Mansfield 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. Mansfield State Bank has $14.04 million in assets with $1.92 million in equity, resulting in a capitalization level of 13.66%, which is excellent. |
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