R Bank

R Bank Locations
1900 Round Rock Avenue
Round Rock, TX 78681
512-600-8100
www.rbanktexas.com
R Bank is a small bank with one office in Round Rock, Texas. The bank requires new customers to come into the branch to open accounts.

R Bank Routing Number: 114926012

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Data for Q1 2012


Institution Statistics


R Bank
FDIC Certificate #58935
BankRate ReportView
Year Established2009
Employees19
Primary RegulatorFDIC

Assets and Liabilities

Assets$135.89 million
Loans$71.16 million
Deposits$116.85 million
Equity Capital$18.85 million
Loan Loss Allowance$833,000

Historic Data - March 2011

Assets$97.37 million
Equity Capital$10.70 million
Loan Loss Allowance$532,000

Profit Margin - Quarterly

Net Interest Margin3.08%
Return on Assets0.5%
Return on Equity3.54%
Interest Income$1.35 million

Institution Health


Overall Score:
5 out of 5
5
Texas Ratio5
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 R Bank had $0 in non-current loans and owned real-estate with $19.68 million in equity and loan loss allowances on hand to cover it. This gives R 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 Growth5
In the past year, R Bank has increased its total deposits by $30.37 million, resulting in 35.12% 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 R Bank has shown is excellent.
Capitalization5
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. R Bank has $135.89 million in assets with $19.68 million in equity, resulting in a capitalization level of 14.48%, which is excellent.
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