Institution Statistics
| Oakworth Capital Bank | | FDIC Certificate # | 58783 | | BankRate Report | View | | Year Established | 2008 | | Employees | 28 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $209.15 million | | Loans | $147.18 million | | Deposits | $165.76 million | | Equity Capital | $38.88 million | | Loan Loss Allowance | $1.79 million |
Historic Data - March 2011 | | Assets | $177.28 million | | Equity Capital | $35.68 million | | Loan Loss Allowance | $1.60 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.47% | | Return on Assets | 0.73% | | Return on Equity | 4.12% | | Interest Income | $2.00 million |
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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 Oakworth Capital Bank had $0 in non-current loans and owned real-estate with $40.67 million in equity and loan loss allowances on hand to cover it. This gives Oakworth Capital 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, Oakworth Capital Bank has increased its total deposits by $28.02 million, resulting in 20.34% 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 Oakworth Capital Bank has shown is excellent. | | 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. Oakworth Capital Bank has $209.15 million in assets with $40.67 million in equity, resulting in a capitalization level of 19.44%, which is excellent. |
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