Texas Exchange Bank, ssb

One Crowley Plaza
Crowley, TX 76036
(817) 297-4331
www.txexbank.com

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Texas Exchange Bank, ssb is headquartered in Crowley and is the 375^th largest bank in the state of Texas. It is also the 4,637^th largest bank in the nation. It was established in 1970 and as of March of 2012, it had grown to 23 employees at 2 locations. Texas Exchange Bank, ssb has a 5-star health rating.

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

Texas Exchange Bank, ssb Checking Account Rates

Apy	Min	Max	Product
0.05%	$1,500	-	Consumer NOW Account
0.05%	$1,500	-	Business Consumer NOW Account

Texas Exchange Bank, ssb Savings Account Rates

Apy	Min	Max	Product
0.15%	$100	-	Savings Account
0.15%	$100	-	Business Savings Account

Texas Exchange Bank, ssb Money Market Rates

Apy	Min	Max	Product
1.15%	$1m	-	Business Premium Money Market Account
1.00%	$1m	-	Premium Money Market Account
0.30%	$50k	-	Money Market Account
0.30%	$50k	-	Business Money Market Account

Texas Exchange Bank, ssb CD Rates

Apy	Min	Max	Product
1.40%	$100k	-	36 Month Special - Jumbo CD
1.30%	$100k	-	30 Month Special - Jumbo CD
1.25%	$25k	-	36 Month Special - Premium CD
1.15%	$100k	-	24 Month Special - Jumbo CD
1.15%	$25k	-	30 Month Special - Premium CD
1.10%	$500	-	36 Month CD
1.00%	$100k	-	18 Month Special - Jumbo CD
1.00%	$25k	-	24 Month Special - Premium CD
0.80%	$500	-	24 Month CD
0.60%	$100k	-	365 Day Special - Jumbo CD
0.55%	$25k	-	365 Day Special - Premium CD
0.45%	$500	-	365 Day CD
0.40%	$100k	-	180 Day Special - Jumbo CD
0.35%	$25k	-	180 Day Special - Premium CD
0.25%	$500	-	180 Day CD
0.20%	$500	-	90 Day CD
0.15%	$500	-	30 Day CD

Texas Exchange Bank, ssb IRA Rates

Apy	Min	Max	Product
1.30%	$100k	-	30 Month Jumbo Traditional IRA
1.30%	$100k	-	30 Month Jumbo Roth IRA
1.15%	$25k	-	30 Month Premium Traditional IRA
1.15%	$25k	-	30 Month Premium Roth IRA
0.80%	$500	-	365 Day Roth IRA
0.80%	$500	-	365 Day Traditional IRA

Rates updated: 5/27/2012

Data for Q1 2012

Institution Statistics

Texas Exchange Bank, ssb
FDIC Certificate #	20099
BankRate Report	View
Year Established	1970
Employees	23
Primary Regulator	FDIC
Assets and Liabilities
Assets	$112.95 million
Loans	$62.57 million
Deposits	$92.05 million
Equity Capital	$20.57 million
Loan Loss Allowance	$500,000
Real Estate Owned	$92,000
Historic Data - March 2011
Assets	$87.84 million
Equity Capital	$14.72 million
Loan Loss Allowance	$296,000
Profit Margin - Quarterly
Net Interest Margin	3.1%
Return on Assets	-1.68%
Return on Equity	-9.4%
Interest Income	$985,000

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 Texas Exchange Bank, ssb had $92,000 in non-current loans and owned real-estate with $21.07 million in equity and loan loss allowances on hand to cover it. This gives Texas Exchange Bank, ssb a Texas Ratio of 0.44% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Deposit Growth
In the past year, Texas Exchange Bank, ssb has increased its total deposits by $19.17 million, resulting in 26.31% 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 Exchange Bank, ssb 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. Texas Exchange Bank, ssb has $112.95 million in assets with $21.07 million in equity, resulting in a capitalization level of 18.65%, which is excellent.

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