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Overview / Commentary
817-596-9998
901 Santa Fe Drive
Weatherford, TX 76086

Texas Bank Financial is headquartered in Weatherford and is the 365th largest bank in the state of Texas. It is also the 4,525th largest bank in the nation. It was established in 1987 and as of March of 2014, it had grown to 49 employees at 3 locations. Texas Bank Financial's money market rates are 14% higher than the national average, and it has a B+ health rating.

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Health

Data for Q1 2014

Institution Health

B+

Texas Ratio

GRADE:
B+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Texas Bank Financial had $1.25 million in non-current loans and owned real-estate with $10.19 million in equity and loan loss allowances on hand to cover it. This gives Texas Bank Financial a Texas Ratio of 12.32% which is above average. 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 Bank Financial experienced no significant changes from 10.28% as of March 31, 2013 to 12.32% as of March 31, 2014, resulting in a negative change of 19.83%. This indicates that the balance sheet and financial strength for Texas Bank Financial has had no significant changes in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Texas Bank Financial has increased its total deposits by $23.61 million, resulting in 31.23% 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 Bank Financial 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 Bank Financial has $108.28 million in assets with $10.19 million in equity, resulting in a capitalization level of 9.41%, which is average.

Institution Statistics

Overall
FDIC Certificate #26967
Year Established1987
Employees49
Primary RegulatorFDIC
Assets and Liabilities
Assets$108.28 million
Loans$82.72 million
Deposits$99.20 million
Equity Capital$9.02 million
Loan Loss Allowance$1.17 million
Unbacked Noncurrent Loans$539,000
Real Estate Owned$716,000
Historic Data - March 2013
Assets$83.58 million
Equity Capital$7.80 million
Loan Loss Allowance$944,000
Unbacked Noncurrent Loans$539,000
Real Estate Owned$542,000
Profit Margin - Quarterly
Net Interest Margin4.83%
Return on Assets0.78%
Return on Equity9.49%
Interest Income$1.40 million
Rates
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Texas Bank Financial Money Market Rates

DetailsAPYMINMAXPRODUCT
0.50%$50k-Money Market Account

Texas Bank Financial CD Rates

DetailsAPYMINMAXPRODUCT
1.16%$100k-36 Month CD
1.00%$100k-24 Month CD
0.85%$100k-18 Month CD
0.70%$100k-12 Month CD
0.60%$100k-9 Month CD
0.50%$100k-7 Month CD
0.40%$100k-180 Day CD
0.30%$100k-90 Day CD
Locations


Texas Bank Financial Locations
Hulen Street Branch2800 South Hulen Street, Suite 115Fort Worth, TX 76109
Willow Park Branch5147 East Ih-20, Service Road NorthWillow Park, TX 76087
Texas Bank Financial901 Santa Fe DriveWeatherford, TX 76086