Institution Statistics
| Tejas Bank | | FDIC Certificate # | 18216 | | BankRate Report | View | | Year Established | 1960 | | Employees | 18 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $87.99 million | | Loans | $47.48 million | | Deposits | $76.58 million | | Equity Capital | $10.97 million | | Loan Loss Allowance | $416,000 |
Historic Data - March 2011 | | Assets | $70.28 million | | Equity Capital | $9.64 million | | Loan Loss Allowance | $324,000 | | Unbacked Noncurrent Loans | $3,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.09% | | Return on Assets | 0.85% | | Return on Equity | 6.73% | | Interest Income | $880,000 |
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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 Tejas Bank had $0 in non-current loans and owned real-estate with $11.38 million in equity and loan loss allowances on hand to cover it. This gives Tejas 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, Tejas Bank has increased its total deposits by $16.1 million, resulting in 26.61% 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 Tejas 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. Tejas Bank has $87.99 million in assets with $11.38 million in equity, resulting in a capitalization level of 12.94%, which is excellent. |
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