Institution Statistics
| Middletown State Bank | | FDIC Certificate # | 10463 | | BankRate Report | View | | Year Established | 1917 | | Employees | 8 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $26.42 million | | Loans | $18.97 million | | Deposits | $23.91 million | | Equity Capital | $2.48 million | | Loan Loss Allowance | $133,000 |
Historic Data - March 2011 | | Assets | $25.52 million | | Equity Capital | $2.47 million | | Loan Loss Allowance | $132,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.42% | | Return on Assets | 1.91% | | Return on Equity | 20.19% | | Interest Income | $240,000 |
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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 Middletown State Bank had $0 in non-current loans and owned real-estate with $2.61 million in equity and loan loss allowances on hand to cover it. This gives Middletown State Bank a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth |  | | In the past year, Middletown State Bank has increased its total deposits by $896,000, resulting in 3.89% 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 Middletown State Bank has shown is above 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. Middletown State Bank has $26.42 million in assets with $2.61 million in equity, resulting in a capitalization level of 9.89%, which is average. |
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