TexStar National Bank

TexStar National Bank is headquartered in Universal City and is the 275^th largest bank in the state of Texas. It is also the 3,461^st largest bank in the nation. It was established in 2004 and as of March of 2012, it had grown to 42 employees at 5 locations. TexStar National Bank has a 5-star health rating.

Data for Q1 2012

Institution Statistics TexStar National Bank FDIC Certificate # 57704 BankRate Report View Year Established 2004 Employees 42 Primary Regulator OCC Assets and Liabilities Assets $175.15 million Loans $126.26 million Deposits $154.90 million Equity Capital $19.93 million Loan Loss Allowance $2.44 million Real Estate Owned $175,000 Historic Data - March 2011 Assets $174.30 million Equity Capital $18.77 million Loan Loss Allowance $1.98 million Unbacked Noncurrent Loans $1.09 million Real Estate Owned $473,000 Profit Margin - Quarterly Net Interest Margin 3.98% Return on Assets 0.89% Return on Equity 8.16% Interest Income $1.97 million

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 TexStar National Bank had $175,000 in non-current loans and owned real-estate with $22.37 million in equity and loan loss allowances on hand to cover it. This gives TexStar National Bank a Texas Ratio of 0.78% 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 TexStar National Bank decreased significantly from 5.75% as of March 31, 2011 to 0.78% as of March 31, 2012, resulting in a positive change of 86.39%.This indicates that the balance sheet and financial strength for TexStar National Bank has improved significantly in recent periods. Deposit Growth In the past year, TexStar National Bank has decreased its total deposits by $-328,000, resulting in -0.21% 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 TexStar National Bank has shown is average. 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. TexStar National Bank has $175.15 million in assets with $22.37 million in equity, resulting in a capitalization level of 12.77%, which is excellent.

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