Institution Statistics
| Sargent County Bank | | FDIC Certificate # | 8942 | | BankRate Report | View | | Year Established | 1900 | | Employees | 14 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $104.81 million | | Loans | $44.36 million | | Deposits | $90.64 million | | Equity Capital | $13.76 million | | Loan Loss Allowance | $206,000 |
Historic Data - March 2011 | | Assets | $97.67 million | | Equity Capital | $11.52 million | | Loan Loss Allowance | $207,000 | | Real Estate Owned | $204,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.51% | | Return on Assets | 2.53% | | Return on Equity | 18.39% | | Interest Income | $982,000 |
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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 Sargent County Bank had $0 in non-current loans and owned real-estate with $13.96 million in equity and loan loss allowances on hand to cover it. This gives Sargent County 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, Sargent County Bank has increased its total deposits by $4.82 million, resulting in 5.61% 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 Sargent County 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. Sargent County Bank has $104.81 million in assets with $13.96 million in equity, resulting in a capitalization level of 13.32%, which is excellent. |
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