State Bank of Odell

State Bank of Odell is headquartered in Odell and is the 188^th largest bank in the state of Nebraska. It is also the 7,052^nd largest bank in the nation. It was established in 1907 and as of March of 2012, it had grown to 7 employees at 2 locations. State Bank of Odell's savings rates are 2X the national average, and it has a 4-star health rating.

State Bank of Odell Routing Number: 104904905

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Data for Q1 2012

Institution Statistics State Bank of Odell FDIC Certificate # 10644 BankRate Report View Year Established 1907 Employees 7 Primary Regulator FDIC Assets and Liabilities Assets $26.03 million Loans $11.53 million Deposits $23.42 million Equity Capital $2.60 million Loan Loss Allowance $212,000 Unbacked Noncurrent Loans $278,000 Real Estate Owned $320,000 Historic Data - March 2011 Assets $25.97 million Equity Capital $2.17 million Loan Loss Allowance $208,000 Unbacked Noncurrent Loans $442,000 Real Estate Owned $322,000 Profit Margin - Quarterly Net Interest Margin 3.56% Return on Assets 3.74% Return on Equity 38.39% Interest Income $221,000

Institution Health Overall Score: 4 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 State Bank of Odell had $598,000 in non-current loans and owned real-estate with $2.81 million in equity and loan loss allowances on hand to cover it. This gives State Bank of Odell a Texas Ratio of 21.29% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for State Bank of Odell decreased slightly from 32.13% as of March 31, 2011 to 21.29% as of March 31, 2012, resulting in a positive change of 33.74%.This indicates that the balance sheet and financial strength for State Bank of Odell has improved slightly in recent periods. Deposit Growth In the past year, State Bank of Odell has increased its total deposits by $142,000, resulting in 0.61% 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 State Bank of Odell has shown is average. 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. State Bank of Odell has $26.03 million in assets with $2.81 million in equity, resulting in a capitalization level of 10.79%, which is above average.

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