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Overview / Commentary
5644 Lbj Freeway
Dallas, TX 75240

Preston National Bank is headquartered in Dallas and is the 454th largest bank in the state of Texas. It is also the 5,742nd largest bank in the nation. It was established in 1985 and as of March of 2014, it had grown to 18 employees at 3 locations. Preston National Bank has a B+ health rating.

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Preston National Bank has a relatively low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Preston National Bank had $648,000 in non-current loans and owned real-estate with $9.29 million in equity and loan loss allowances on hand to cover it. This gives Preston National Bank a Texas Ratio of 6.97% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Preston National Bank decreased slightly from 7.87% as of March 31, 2013 to 6.97% as of March 31, 2014, resulting in a positive change of 11.39%.This indicates that the balance sheet and financial strength for Preston National Bank has improved slightly in recent periods.

Deposit Growth


In the past year, Preston National Bank has increased its total deposits by $1.07 million, resulting in 2.17% 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 Preston National Bank has shown is above average.



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. Preston National Bank has $58.88 million in assets with $9.29 million in equity, resulting in a capitalization level of 15.78%, which is excellent.

Institution Statistics

FDIC Certificate #26222
Year Established1985
Primary RegulatorOCC
Assets and Liabilities
Assets$58.89 million
Loans$50.52 million
Deposits$50.18 million
Equity Capital$8.56 million
Loan Loss Allowance$730,000
Unbacked Noncurrent Loans$162,000
Real Estate Owned$486,000
Historic Data - March 2013
Assets$57.59 million
Equity Capital$8.39 million
Loan Loss Allowance$788,000
Unbacked Noncurrent Loans$162,000
Real Estate Owned$619,000
Profit Margin - Quarterly
Return on Assets1.95%
Return on Equity13.41%
Interest Income$865,000

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Preston National Bank Locations
Mobile Branch5644 Lbj FreewayDallas, TX 75240
Preston National Bank5644 Lbj FreewayDallas, TX 75240