Institution Statistics
| St. Martin National Bank | | FDIC Certificate # | 18937 | | BankRate Report | View | | Year Established | 1963 | | Employees | 6 | | Primary Regulator | OCC |
Assets and Liabilities | | Assets | $19.10 million | | Loans | $9.48 million | | Deposits | $16.63 million | | Equity Capital | $2.46 million | | Loan Loss Allowance | $171,000 |
Historic Data - March 2011 | | Assets | $18.01 million | | Equity Capital | $2.32 million | | Loan Loss Allowance | $171,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.77% | | Return on Assets | 1.32% | | Return on Equity | 10.19% | | Interest Income | $174,000 |
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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 St. Martin National Bank had $0 in non-current loans and owned real-estate with $2.63 million in equity and loan loss allowances on hand to cover it. This gives St. Martin National 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, St. Martin National Bank has increased its total deposits by $976,000, resulting in 6.24% 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 St. Martin National 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. St. Martin National Bank has $19.1 million in assets with $2.63 million in equity, resulting in a capitalization level of 13.75%, which is excellent. |
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