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Overview / Commentary
281-388-5200
1701 Fairway Plaza, Suite 18
Alvin, TX 77511

Texas Advantage Community Bank, National Association is headquartered in Alvin and is the 381st largest bank in the state of Texas. It is also the 4,737th largest bank in the nation. It was established in 2006 and as of December of 2013, it had grown to 18 employees at 2 locations. Texas Advantage Community Bank, National Association has a A health rating.

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Health

Data for Q4 2013

Institution Health

A

Texas Ratio

GRADE:
A+

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 December 31, 2013 Texas Advantage Community Bank, National Association had $227,000 in non-current loans and owned real-estate with $9.16 million in equity and loan loss allowances on hand to cover it. This gives Texas Advantage Community Bank, National Association a Texas Ratio of 2.48% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Texas Advantage Community Bank, National Association experienced no significant changes from 2.16% as of December 31, 2012 to 2.48% as of December 31, 2013, resulting in a negative change of 14.73%. This indicates that the balance sheet and financial strength for Texas Advantage Community Bank, National Association has had no significant changes in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Texas Advantage Community Bank, National Association has increased its total deposits by $13.33 million, resulting in 16.9% 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 Texas Advantage Community Bank, National Association has shown is excellent.

Capitalization

GRADE:
C+

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. Texas Advantage Community Bank, National Association has $100.77 million in assets with $9.16 million in equity, resulting in a capitalization level of 9.09%, which is average.

Institution Statistics

Overall
FDIC Certificate #58450
Year Established2006
Employees18
Primary RegulatorOCC
Assets and Liabilities
Assets$100.77 million
Loans$75.87 million
Deposits$92.21 million
Equity Capital$8.49 million
Loan Loss Allowance$672,000
Unbacked Noncurrent Loans$83,000
Real Estate Owned$144,000
Historic Data - December 2012
Assets$86.52 million
Equity Capital$7.57 million
Loan Loss Allowance$670,000
Unbacked Noncurrent Loans$83,000
Real Estate Owned$86,000
Profit Margin - Quarterly
Net Interest Margin3.64%
Return on Assets0.99%
Return on Equity11.42%
Interest Income$3.77 million
Rates

Sorry, we do not have rate data for Texas Advantage Community Bank, National Association

Locations


Texas Advantage Community Bank, National Association Locations
Texas Advantage Community Bank, National Associati1701 Fairway Plaza, Suite 18Alvin, TX 77511
Pearland Branch2522 East Broadway StreetPearland, TX 77581