Institution Statistics
| Texas Financial Bank | | FDIC Certificate # | 26738 | | BankRate Report | View | | Year Established | 1986 | | Employees | 22 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $91.10 million | | Loans | $14.82 million | | Deposits | $82.26 million | | Equity Capital | $7.96 million | | Loan Loss Allowance | $301,000 |
Historic Data - March 2011 | | Assets | $78.30 million | | Equity Capital | $8.46 million | | Loan Loss Allowance | $282,000 |
Profit Margin - Quarterly | | Net Interest Margin | 2.47% | | Return on Assets | 0.51% | | Return on Equity | 5.5% | | Interest Income | $527,000 |
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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 Texas Financial Bank had $0 in non-current loans and owned real-estate with $8.26 million in equity and loan loss allowances on hand to cover it. This gives Texas Financial 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, Texas Financial Bank has increased its total deposits by $13.44 million, resulting in 19.53% 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 Financial 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. Texas Financial Bank has $91.1 million in assets with $8.26 million in equity, resulting in a capitalization level of 9.07%, which is average. |
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