Institution Statistics
| Plains State Bank | | FDIC Certificate # | 17739 | | BankRate Report | View | | Year Established | 1957 | | Employees | 41 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $226.47 million | | Loans | $150.21 million | | Deposits | $199.31 million | | Equity Capital | $26.47 million | | Loan Loss Allowance | $1.69 million | | Unbacked Noncurrent Loans | $1.13 million | | Real Estate Owned | $1.70 million |
Historic Data - March 2011 | | Assets | $181.82 million | | Equity Capital | $17.66 million | | Loan Loss Allowance | $1.72 million |
Profit Margin - Quarterly | | Net Interest Margin | 4.27% | | Return on Assets | 0.46% | | Return on Equity | 3.88% | | Interest Income | $2.51 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 Plains State Bank had $2.83 million in non-current loans and owned real-estate with $28.16 million in equity and loan loss allowances on hand to cover it. This gives Plains State Bank a Texas Ratio of 10.06% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth |  | | In the past year, Plains State Bank has increased its total deposits by $35.86 million, resulting in 21.94% 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 Plains State 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. Plains State Bank has $226.47 million in assets with $28.16 million in equity, resulting in a capitalization level of 12.43%, which is excellent. |
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