Institution Statistics
| Pegasus Bank | | FDIC Certificate # | 58483 | | BankRate Report | View | | Year Established | 2007 | | Employees | 15 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $251.86 million | | Loans | $132.38 million | | Deposits | $232.74 million | | Equity Capital | $18.83 million | | Loan Loss Allowance | $1.37 million |
Historic Data - March 2011 | | Assets | $191.44 million | | Equity Capital | $16.91 million | | Loan Loss Allowance | $1.11 million |
Profit Margin - Quarterly | | Net Interest Margin | 2.89% | | Return on Assets | 0.66% | | Return on Equity | 8.68% | | Interest Income | $1.76 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 Pegasus Bank had $0 in non-current loans and owned real-estate with $20.2 million in equity and loan loss allowances on hand to cover it. This gives Pegasus 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, Pegasus Bank has increased its total deposits by $58.55 million, resulting in 33.62% 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 Pegasus 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. Pegasus Bank has $251.86 million in assets with $20.2 million in equity, resulting in a capitalization level of 8.02%, which is average. |
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