National Bank

National Bank is headquartered in Gatesville and is the 100^th largest bank in the state of Texas. It is also the 1,411^st largest bank in the nation. It was established in 1889 and as of March of 2012, it had grown to 160 employees at 8 locations. National Bank has a 4-star health rating.

National Bank Checking Account Rates

National Bank Savings Account Rates

National Bank Money Market Rates

National Bank CD Rates

National Bank IRA Rates

Data for Q1 2012

Institution Statistics National Bank FDIC Certificate # 3214 BankRate Report View Year Established 1889 Employees 160 Primary Regulator OCC Assets and Liabilities Assets $478.15 million Loans $254.62 million Deposits $426.43 million Equity Capital $50.63 million Loan Loss Allowance $6.17 million Unbacked Noncurrent Loans $1.53 million Real Estate Owned $6.24 million Historic Data - March 2011 Assets $474.60 million Equity Capital $45.94 million Loan Loss Allowance $6.39 million Unbacked Noncurrent Loans $6.26 million Real Estate Owned $5.46 million Profit Margin - Quarterly Net Interest Margin 4.23% Return on Assets 0.98% Return on Equity 9.35% Interest Income $5.13 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 National Bank had $7.77 million in non-current loans and owned real-estate with $56.8 million in equity and loan loss allowances on hand to cover it. This gives National Bank a Texas Ratio of 13.68% 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 National Bank decreased slightly from 22.39% as of March 31, 2011 to 13.68% as of March 31, 2012, resulting in a positive change of 38.91%.This indicates that the balance sheet and financial strength for National Bank has improved slightly in recent periods. Deposit Growth In the past year, National Bank has decreased its total deposits by $-897,000, resulting in -0.21% 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 National Bank has shown is 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. National Bank has $478.15 million in assets with $56.8 million in equity, resulting in a capitalization level of 11.88%, which is above average.

No reviews have been left for this bank yet. Be the first to review.