Meridian Bank Texas

100 Lexington Street, Suite 100
Fort Worth, TX 76102
817-334-4600
www.meridianbanktexas.com

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Meridian Bank Texas is headquartered in Fort Worth and is the 192^nd largest bank in the state of Texas. It is also the 2,418^st largest bank in the nation. It was established in 1907 and as of March of 2012, it had grown to 37 employees at 2 locations. Meridian Bank Texas has a 4-star health rating.

Meridian Bank (TX) $50 Referral Bonus (Forum) - 1/11/2012

In this morning's Email: "Love your banking relationship with Meridian Bank Texas? We believe relationships matter and that everyone should love their bank. That's why we are paying you to talk about us! Tell your friends about your exp

Special 1-Year CD at Meridian Bank Texas - Local Only - 7/26/2011

Meridian Bank Texas is having an interesting CD promotion called the Gridiron CD. It's a 1-year special CD with a base rate of 1.00% and a possible rate of up to 2.35%. The promotion is listed on the ...

Meridian Bank Tx - Gridiron CD 1Yr 1% Up To Possibly 2.35% (Forum) - 7/6/2011

Meridian Bank Texas has an unadvertised one-year CD special, available through its home page. Initial rate on the Gridiron CD is 1%. Depending on the performance of the football team you select (either Texas Christian University (TCU) or

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

Meridian Bank Texas Checking Account Rates

Apy	Min	Max	Product
0.70%	$50k	-	Relationship Checking
0.25%	$250k	-	Ultimate/Interest Checking
0.25%	$250k	-	Business Commercial NOW

Meridian Bank Texas Savings Account Rates

Apy	Min	Max	Product
0.10%	$100	-	Meridian Savings
0.10%	-	-	Young Savers
0.10%	$100	-	Business Commercial Savings

Meridian Bank Texas Money Market Rates

Apy	Min	Max	Product
0.65%	$250k	-	High Yield Money Market
0.65%	$250k	-	Business Commercial Money Market

Meridian Bank Texas CD Rates

Apy	Min	Max	Product
1.45%	$100k	-	48 Month Jumbo CD
1.40%	$1k	-	48 Month CD
1.25%	$100k	-	36 Month Jumbo CD
1.20%	$1k	-	36 Month CD
1.05%	$100k	-	24 Month Jumbo CD
1.00%	$1k	-	24 Month CD
0.95%	$100k	-	18 Month Jumbo CD
0.90%	$1k	-	18 Month CD
0.80%	$100k	-	12 Month Jumbo CD
0.75%	$1k	-	12 Month CD
0.45%	$100k	-	6 Month Jumbo CD
0.40%	$1k	-	6 Month CD
0.35%	$100k	-	3 Month Jumbo CD
0.30%	$1k	-	3 Month CD
0.25%	$100k	-	1 Month Jumbo CD
0.20%	$1k	-	1 Month CD

Meridian Bank Texas IRA Rates

Apy	Min	Max	Product
1.25%	$100k	-	36 Month Fixed Rate Jumbo IRA
1.20%	$1k	-	36 Month Fixed Rate IRA
1.15%	$100k	-	24 Month Fixed Rate Jumbo IRA
1.10%	$1k	-	24 Month Fixed Rate IRA
0.90%	$100k	-	12 Month Fixed Rate Jumbo IRA
0.85%	$1k	-	12 Month Fix Rate IRA
0.55%	$1k	-	18 Month Variable Rate IRA

Rates updated: 5/26/2012

Data for Q1 2012

Institution Statistics

Meridian Bank Texas
FDIC Certificate #	11895
BankRate Report	View
Year Established	1907
Employees	37
Primary Regulator	FDIC
Assets and Liabilities
Assets	$267.05 million
Loans	$174.98 million
Deposits	$221.14 million
Equity Capital	$33.80 million
Loan Loss Allowance	$2.56 million
Unbacked Noncurrent Loans	$5.08 million
Real Estate Owned	$3.29 million
Historic Data - March 2011
Assets	$261.63 million
Equity Capital	$31.18 million
Loan Loss Allowance	$2.40 million
Unbacked Noncurrent Loans	$9.37 million
Real Estate Owned	$487,000
Profit Margin - Quarterly
Net Interest Margin	3.86%
Return on Assets	0.44%
Return on Equity	3.5%
Interest Income	$3.05 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 March 31, 2012 Meridian Bank Texas had $8.37 million in non-current loans and owned real-estate with $36.35 million in equity and loan loss allowances on hand to cover it. This gives Meridian Bank Texas a Texas Ratio of 23.02% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Meridian Bank Texas decreased slightly from 29.36% as of March 31, 2011 to 23.02% as of March 31, 2012, resulting in a positive change of 21.59%.This indicates that the balance sheet and financial strength for Meridian Bank Texas has improved slightly in recent periods.
Deposit Growth
In the past year, Meridian Bank Texas has decreased its total deposits by -$3.75 million, resulting in -1.67% 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 Meridian Bank Texas has shown is below average.
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. Meridian Bank Texas has $267.05 million in assets with $36.35 million in equity, resulting in a capitalization level of 13.61%, which is excellent.