State National Bank of Texas

2618 Iowa Park RD
Wichita Falls, TX 76306
(800)411-9767
www.snbt.net

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State National Bank of Texas is headquartered in Iowa Park and is the 240^th largest bank in the state of Texas. It is also the 3,017^st largest bank in the nation. It was established in 1932 and as of March of 2012, it had grown to 75 employees at 8 locations. State National Bank of Texas has a 5-star health rating.

3.01% Reward Checking Account at a Texas Bank (State National Bank of Texas) - 12/5/2007

Update 4/24/09: The top yield has fallen to 3.01% APY. See bottom of the post for the rate history.State National Bank of Texas is offering a reward checking called Premium e-Checking. It pays 3.01% APY on balances up to $100K (1.01% for over) and...

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See Rates for: Checking | Savings | Money Market | CD | IRA

State National Bank of Texas Checking Account Rates

Apy	Min	Max	Product
0.50%	-	$100k	Premium e-Checking
0.05%	$2,500	-	NOW Account
0.05%	$10k	-	Prestige Checking
0.03%	$1k	-	Business NOW Checking

State National Bank of Texas Savings Account Rates

	Apy	Min	Max	Product
	0.05%	$100	-	Savings

State National Bank of Texas Money Market Rates

	Apy	Min	Max	Product
	0.15%	$75k	-	Money Market

State National Bank of Texas CD Rates

Apy	Min	Max	Product
0.60%	$100k	-	60 Month Jumbo CD
0.60%	$100k	-	Business 60 Month Jumbo CD
0.55%	$1k	-	60 Month Regular CD
0.55%	$1k	-	Business 60 Month Regular CD
0.45%	$100k	-	48 Month Jumbo CD
0.45%	$100k	-	Business 48 Month Jumbo CD
0.40%	$100k	-	36 Month Jumbo CD
0.40%	$1k	-	48 Month Regular CD
0.40%	$100k	-	Business 36 Month Jumbo CD
0.40%	$1k	-	Business 48 Month Regular CD
0.35%	$100k	-	24 Month Jumbo CD
0.35%	$1k	-	36 Month Regular CD
0.35%	$100k	-	Business 24 Month Jumbo CD
0.35%	$1k	-	Business 36 Month Regular CD
0.30%	$1k	-	24 Month Regular CD
0.30%	$1k	-	Business 24 Month Regular CD
0.25%	$100k	-	18 Month Jumbo CD
0.25%	$100k	-	Business 18 Month Jumbo CD
0.20%	$100k	-	12 Month Jumbo CD
0.20%	$1k	-	18 Month Regular CD
0.20%	$100k	-	Business 12 Month Jumbo CD
0.20%	$1k	-	Business 18 Month Regular CD
0.15%	$1k	-	12 Month Regular CD
0.15%	$1k	-	Business 12 Month Regular CD
0.10%	$100k	-	182 Day Jumbo CD
0.10%	$100k	-	Business 182 Day Jumbo CD
0.05%	$100k	-	90 Day Regular CD
0.05%	$1k	-	90 Day Jumbo CD
0.05%	$1k	-	182 Day Regular CD
0.05%	$1k	-	Business 90 Day Jumbo CD
0.05%	$100k	-	Business 90 Day Regular CD
0.05%	$1k	-	Business 182 Day Regular CD

State National Bank of Texas IRA Rates

Apy	Min	Max	Product
0.60%	$100k	-	60 Month Jumbo IRA
0.60%	$100k	-	60 Month Jumbo Roth IRA
0.55%	$300	-	60 Month Regular IRA
0.55%	$300	-	60 Month Regular Roth IRA
0.45%	$100k	-	48 Month Jumbo IRA
0.45%	$100k	-	48 Month Jumbo Roth IRA
0.40%	$100k	-	36 Month Jumbo IRA
0.40%	$300	-	48 Month Regular IRA
0.40%	$100k	-	36 Month Jumbo Roth IRA
0.40%	$300	-	48 Month Regular Roth IRA
0.35%	$100k	-	24 Month Jumbo IRA
0.35%	$300	-	36 Month Regular IRA
0.35%	$100k	-	24 Month Jumbo Roth IRA
0.35%	$300	-	36 Month Regular Roth IRA
0.30%	$300	-	24 Month Regular IRA
0.30%	$300	-	24 Month Regular Roth IRA
0.20%	$100k	-	12 Month Jumbo IRA
0.20%	$100k	-	12 Month Jumbo Roth IRA
0.15%	$300	-	12 Month Regular IRA
0.15%	$300	-	12 Month Regular Roth IRA

Rates updated: 5/26/2012

Data for Q1 2012

Institution Statistics

State National Bank of Texas
FDIC Certificate #	3270
BankRate Report	View
Year Established	1932
Employees	75
Primary Regulator	OCC
Assets and Liabilities
Assets	$208.63 million
Loans	$99.30 million
Deposits	$187.91 million
Equity Capital	$20.21 million
Loan Loss Allowance	$1.26 million
Unbacked Noncurrent Loans	$409,000
Real Estate Owned	$46,000
Historic Data - March 2011
Assets	$192.87 million
Equity Capital	$18.72 million
Loan Loss Allowance	$1.02 million
Unbacked Noncurrent Loans	$330,000
Profit Margin - Quarterly
Net Interest Margin	3.89%
Return on Assets	1.11%
Return on Equity	11.53%
Interest Income	$1.98 million

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 State National Bank of Texas had $455,000 in non-current loans and owned real-estate with $21.47 million in equity and loan loss allowances on hand to cover it. This gives State National Bank of Texas a Texas Ratio of 2.12% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for State National Bank of Texas held steady from 1.67% as of March 31, 2011 to 2.12% as of March 31, 2012, resulting in a negative change of 26.76%. This indicates that the balance sheet and financial strength for State National Bank of Texas has held steady in recent periods.
Deposit Growth
In the past year, State National Bank of Texas has increased its total deposits by $14.33 million, resulting in 8.25% 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 National Bank of Texas 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. State National Bank of Texas has $208.63 million in assets with $21.47 million in equity, resulting in a capitalization level of 10.29%, which is above average.