Institution Statistics
| Patriot State Bank | | FDIC Certificate # | 58248 | | BankRate Report | View | | Year Established | 2006 | | Employees | 28 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $136.09 million | | Loans | $106.97 million | | Deposits | $119.95 million | | Equity Capital | $15.73 million | | Loan Loss Allowance | $2.06 million | | Unbacked Noncurrent Loans | $1.86 million | | Real Estate Owned | $1.91 million |
Historic Data - March 2011 | | Assets | $132.40 million | | Equity Capital | $16.16 million | | Loan Loss Allowance | $1.60 million | | Unbacked Noncurrent Loans | $6.57 million | | Real Estate Owned | $1.06 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.38% | | Return on Assets | 0.68% | | Return on Equity | 5.86% | | Interest Income | $1.45 million |
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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 Patriot State Bank had $3.76 million in non-current loans and owned real-estate with $17.79 million in equity and loan loss allowances on hand to cover it. This gives Patriot State Bank a Texas Ratio of 21.16% 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 Patriot State Bank decreased significantly from 42.91% as of March 31, 2011 to 21.16% as of March 31, 2012, resulting in a positive change of 50.67%.This indicates that the balance sheet and financial strength for Patriot State Bank has improved significantly in recent periods. | | Deposit Growth |  | | In the past year, Patriot State Bank has increased its total deposits by $4.13 million, resulting in 3.57% 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 Patriot 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. Patriot State Bank has $136.09 million in assets with $17.79 million in equity, resulting in a capitalization level of 13.07%, which is excellent. |
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