Institution Statistics
| Texas National Bank | | FDIC Certificate # | 3337 | | BankRate Report | View | | Year Established | 1920 | | Employees | 29 | | Primary Regulator | OCC |
Assets and Liabilities | | Assets | $95.92 million | | Loans | $64.21 million | | Deposits | $74.63 million | | Equity Capital | $10.96 million | | Loan Loss Allowance | $1.26 million | | Unbacked Noncurrent Loans | $592,000 | | Real Estate Owned | $714,000 |
Historic Data - March 2011 | | Assets | $76.21 million | | Equity Capital | $9.55 million | | Loan Loss Allowance | $1.45 million | | Unbacked Noncurrent Loans | $1.15 million | | Real Estate Owned | $631,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.9% | | Return on Assets | 1.11% | | Return on Equity | 9.66% | | Interest Income | $1.49 million |
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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 National Bank had $1.31 million in non-current loans and owned real-estate with $12.22 million in equity and loan loss allowances on hand to cover it. This gives Texas National Bank a Texas Ratio of 10.69% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend | | | The Texas Ratio for Texas National Bank decreased slightly from 17.49% as of March 31, 2011 to 10.69% as of March 31, 2012, resulting in a positive change of 38.88%.This indicates that the balance sheet and financial strength for Texas National Bank has improved slightly in recent periods. | | Deposit Growth |  | | In the past year, Texas National Bank has increased its total deposits by $8.33 million, resulting in 12.56% 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 National 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 National Bank has $95.92 million in assets with $12.22 million in equity, resulting in a capitalization level of 12.74%, which is excellent. |
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