Texas Star Bank, SSB

Texas Star Bank, SSB is headquartered in Lott and is the 450^th largest bank in the state of Texas. It is also the 5,539^th largest bank in the nation. It was established in 1943 and as of March of 2012, it had grown to 25 employees at 3 locations. Texas Star Bank, SSB's money market rates are 70% higher than the national average, and it has a 4-star health rating.

Texas Star Bank, SSB Checking Account Rates

Texas Star Bank, SSB Savings Account Rates

Texas Star Bank, SSB Money Market Rates

Texas Star Bank, SSB CD Rates

Data for Q1 2012

Institution Statistics Texas Star Bank, SSB FDIC Certificate # 16218 BankRate Report View Year Established 1943 Employees 25 Primary Regulator FDIC Assets and Liabilities Assets $78.25 million Loans $66.51 million Deposits $65.89 million Equity Capital $6.32 million Loan Loss Allowance $289,000 Unbacked Noncurrent Loans $159,000 Real Estate Owned $555,000 Historic Data - March 2011 Assets $61.22 million Equity Capital $5.53 million Loan Loss Allowance $356,000 Unbacked Noncurrent Loans $124,000 Real Estate Owned $1.51 million Profit Margin - Quarterly Net Interest Margin 6.01% Return on Assets 1.64% Return on Equity 20.56% Interest Income $1.34 million

Institution Health Overall Score: 4 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 Star Bank, SSB had $714,000 in non-current loans and owned real-estate with $6.61 million in equity and loan loss allowances on hand to cover it. This gives Texas Star Bank, SSB a Texas Ratio of 10.80% 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 Star Bank, SSB decreased significantly from 27.72% as of March 31, 2011 to 10.80% as of March 31, 2012, resulting in a positive change of 61.05%.This indicates that the balance sheet and financial strength for Texas Star Bank, SSB has improved significantly in recent periods. Deposit Growth In the past year, Texas Star Bank, SSB has increased its total deposits by $20.3 million, resulting in 44.53% 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 Star 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 Star Bank, SSB has $78.25 million in assets with $6.61 million in equity, resulting in a capitalization level of 8.45%, which is average.

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