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100 Lexington Street, Suite 100
Fort Worth, TX 76102

Meridian Bank Texas is headquartered in Fort Worth and is the 201st largest bank in the state of Texas. It is also the 2,393rd largest bank in the nation. It was established in 1907 and as of December of 2013, it had grown to 38 employees at 2 locations. Meridian Bank Texas' money market rates are 14% higher than the national average, and it has a C+ health rating.

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Data for Q4 2013

Institution Health


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 December 31, 2013 Meridian Bank Texas had $8.1 million in non-current loans and owned real-estate with $35.35 million in equity and loan loss allowances on hand to cover it. This gives Meridian Bank Texas a Texas Ratio of 22.92% 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 increased slightly from 17.00% as of December 31, 2012 to 22.92% as of December 31, 2013, resulting in a negative change of 34.89%. This indicates that the balance sheet and financial strength for Meridian Bank Texas has declined slightly in recent periods.

Deposit Growth


In the past year, Meridian Bank Texas has decreased its total deposits by -$5.86 million, resulting in -2.56% 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.



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 $267.35 million in assets with $35.35 million in equity, resulting in a capitalization level of 13.22%, which is excellent.

Institution Statistics

FDIC Certificate #11895
Year Established1907
Primary RegulatorFDIC
Assets and Liabilities
Assets$267.35 million
Loans$196.45 million
Deposits$222.72 million
Equity Capital$32.97 million
Loan Loss Allowance$2.39 million
Unbacked Noncurrent Loans$5.41 million
Real Estate Owned$2.70 million
Historic Data - December 2012
Assets$268.03 million
Equity Capital$33.37 million
Loan Loss Allowance$2.35 million
Unbacked Noncurrent Loans$5.41 million
Real Estate Owned$3.07 million
Profit Margin - Quarterly
Net Interest Margin4.41%
Return on Assets1.26%
Return on Equity10.09%
Interest Income$12.42 million

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Meridian Bank Texas Savings Account Rates

0.10%$100-Meridian Savings
0.10%--Young Savers
0.10%$100-Business Commercial Savings

Meridian Bank Texas Money Market Rates

0.50%$250k-High Yield Money Market
0.50%$250k-Business Commercial Money Market

Meridian Bank Texas Checking Account Rates

0.35%$50k-Relationship Checking
0.25%$250k-Ultimate/Interest Checking
0.25%$250k-Business Commercial NOW

Meridian Bank Texas CD Rates

1.20%$100k-48 Month Jumbo CD
1.15%$1k-48 Month CD
1.00%$100k-36 Month Jumbo CD
0.95%$1k-36 Month CD
0.80%$100k-24 Month Jumbo CD
0.75%$1k-24 Month CD
0.70%$100k-18 Month Jumbo CD
0.65%$1k-18 Month CD
0.55%$100k-12 Month Jumbo CD
0.50%$1k-12 Month CD
0.40%$100k-6 Month Jumbo CD
0.35%$1k-6 Month CD
0.30%$100k-3 Month Jumbo CD
0.25%$1k-3 Month CD
0.20%$100k-1 Month Jumbo CD
0.15%$1k-1 Month CD

Meridian Bank Texas IRA Rates

1.00%$100k-36 Month Fixed Rate Jumbo IRA
0.95%$1k-36 Month Fixed Rate IRA
0.90%$100k-24 Month Fixed Rate Jumbo IRA
0.85%$1k-24 Month Fixed Rate IRA
0.65%$100k-12 Month Fixed Rate Jumbo IRA
0.60%$1k-12 Month Fix Rate IRA
0.30%$1k-18 Month Variable Rate IRA

Meridian Bank Texas Locations
Meridian Bank Texas100 Lexington Street, Suite 100Fort Worth, TX 76102
Denton Branch1013 W University DriveDenton, TX 76201