Institution Statistics
| Regal Bank & Trust | | FDIC Certificate # | 32370 | | BankRate Report | View | | Year Established | 1947 | | Employees | 36 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $176.70 million | | Loans | $109.90 million | | Deposits | $142.08 million | | Equity Capital | $12.80 million | | Loan Loss Allowance | $2.80 million | | Unbacked Noncurrent Loans | $10.35 million | | Real Estate Owned | $6.47 million |
Historic Data - March 2011 | | Assets | $181.43 million | | Equity Capital | $14.33 million | | Loan Loss Allowance | $2.50 million | | Unbacked Noncurrent Loans | $8.08 million | | Real Estate Owned | $9.11 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.47% | | Return on Assets | 1.39% | | Return on Equity | 19.84% | | Interest Income | $1.92 million |
|
|
Institution Health
Overall Score:
1 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 Regal Bank & Trust had $16.82 million in non-current loans and owned real-estate with $15.6 million in equity and loan loss allowances on hand to cover it. This gives Regal Bank & Trust a Texas Ratio of 107.85% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Regal Bank & Trust held steady from 102.19% as of March 31, 2011 to 107.85% as of March 31, 2012, resulting in a negative change of 5.53%. This indicates that the balance sheet and financial strength for Regal Bank & Trust has held steady in recent periods. | | Deposit Growth | | | In the past year, Regal Bank & Trust has decreased its total deposits by -$9.32 million, resulting in -6.15% 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 Regal Bank & Trust has shown is poor. | | 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. Regal Bank & Trust has $176.7 million in assets with $15.6 million in equity, resulting in a capitalization level of 8.83%, which is average. |
|
