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2201 Sherwood Way
San Angelo, TX 76901

Texas State Bank (TX) is headquartered in San Angelo and is the 219st largest bank in the state of Texas. It is also the 2,689th largest bank in the nation. It was established in 1963 and as of December of 2013, it had grown to 60 employees at 4 locations. Texas State Bank (TX) has a A health rating.

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Texas State Bank ATM Card

Make sure you periodically use the Texas State Bank ATM card. Otherwise they won't send you a new one before the one you currently have expires. The worst part is you may be embarrassed in the check-out line at your local grocery store when your expired ATM card is declined as payment. Oops!


Data for Q4 2013

Institution Health


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 December 31, 2013 Texas State Bank (TX) had $176,000 in non-current loans and owned real-estate with $26.15 million in equity and loan loss allowances on hand to cover it. This gives Texas State Bank (TX) a Texas Ratio of 0.67% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Texas State Bank (TX) experienced no significant changes from 0.54% as of December 31, 2012 to 0.67% as of December 31, 2013, resulting in a negative change of 25.59%. This indicates that the balance sheet and financial strength for Texas State Bank (TX) has had no significant changes in recent periods.

Deposit Growth


In the past year, Texas State Bank (TX) has decreased its total deposits by -$4.99 million, resulting in -2.33% 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 State Bank (TX) has shown is average.



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 State Bank (TX) has $235.51 million in assets with $26.15 million in equity, resulting in a capitalization level of 11.11%, which is excellent.

Institution Statistics

FDIC Certificate #18698
Year Established1963
Primary RegulatorFDIC
Assets and Liabilities
Assets$235.51 million
Loans$114.83 million
Deposits$209.47 million
Equity Capital$25.29 million
Loan Loss Allowance$861,000
Unbacked Noncurrent Loans$176,000
Real Estate Owned$0
Historic Data - December 2012
Assets$241.23 million
Equity Capital$26.08 million
Loan Loss Allowance$791,000
Unbacked Noncurrent Loans$176,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.33%
Return on Assets1.17%
Return on Equity10.75%
Interest Income$7.24 million

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Texas State Bank (TX) Locations
Chadbourne Branch1815 N. ChadbourneSan Angelo, TX 76903
Drive-In Facility2101 Sherwood WaySan Angelo, TX 76901
Texas State Bank2201 Sherwood WaySan Angelo, TX 76901
College Hills Branch4206 College Hills BlvdSan Angelo, TX 76904