Institution Statistics
| NewBridge Bank | | FDIC Certificate # | 16799 | | BankRate Report | View | | Year Established | 1949 | | Employees | 414 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $1.74 billion | | Loans | $1.15 billion | | Deposits | $1.45 billion | | Equity Capital | $188.65 million | | Loan Loss Allowance | $27.92 million | | Unbacked Noncurrent Loans | $37.08 million | | Real Estate Owned | $30.03 million |
Historic Data - March 2011 | | Assets | $1.78 billion | | Equity Capital | $181.14 million | | Loan Loss Allowance | $29.06 million | | Unbacked Noncurrent Loans | $42.39 million | | Real Estate Owned | $26.33 million |
Profit Margin - Quarterly | | Net Interest Margin | 4.23% | | Return on Assets | 0.38% | | Return on Equity | 3.57% | | Interest Income | $18.52 million |
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Institution Health
Overall Score:
3 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 NewBridge Bank had $67.11 million in non-current loans and owned real-estate with $216.56 million in equity and loan loss allowances on hand to cover it. This gives NewBridge Bank a Texas Ratio of 30.99% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for NewBridge Bank held steady from 32.72% as of March 31, 2011 to 30.99% as of March 31, 2012, resulting in a positive change of 5.30%.This indicates that the balance sheet and financial strength for NewBridge Bank has held steady in recent periods. | | Deposit Growth | | | In the past year, NewBridge Bank has decreased its total deposits by -$7.46 million, resulting in -0.51% 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 NewBridge 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. NewBridge Bank has $1.74 billion in assets with $216.56 million in equity, resulting in a capitalization level of 12.41%, which is excellent. |
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