Institution Statistics
| Superior Bank | | FDIC Certificate # | 57884 | | BankRate Report | View | | Year Established | 2004 | | Employees | 8 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $41.82 million | | Loans | $29.69 million | | Deposits | $38.21 million | | Equity Capital | $3.19 million | | Loan Loss Allowance | $1.05 million | | Unbacked Noncurrent Loans | $3.48 million | | Real Estate Owned | $4.47 million |
Historic Data - March 2011 | | Assets | $51.14 million | | Equity Capital | $3.04 million | | Loan Loss Allowance | $1.16 million | | Unbacked Noncurrent Loans | $4.15 million | | Real Estate Owned | $1.85 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.71% | | Return on Assets | -1.03% | | Return on Equity | -13.68% | | Interest Income | $437,000 |
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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 Superior Bank had $7.94 million in non-current loans and owned real-estate with $4.24 million in equity and loan loss allowances on hand to cover it. This gives Superior Bank a Texas Ratio of 187.16% 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 Superior Bank increased slightly from 143.06% as of March 31, 2011 to 187.16% as of March 31, 2012, resulting in a negative change of 30.82%. This indicates that the balance sheet and financial strength for Superior Bank has declined slightly in recent periods. | | Deposit Growth | | | In the past year, Superior Bank has decreased its total deposits by -$6.57 million, resulting in -14.67% 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 Superior Bank 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. Superior Bank has $41.82 million in assets with $4.24 million in equity, resulting in a capitalization level of 10.15%, which is above average. |
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