The Bank of River Oaks is headquartered in Houston and is the 164th largest bank in the state of Texas. It is also the 1,988th largest bank in the nation. It was established in 2005 and as of September of 2013, it had grown to 43 employees at 3 locations. The Bank of River Oaks has a A+ health rating.
Bank of River Oaks is the best bank in Houston Texas. They run a tight ship and care about their customers.
They are not about "Bigger is Better", but rather "Less is MORE" better describes their philosophy and that is why they can keep up the integrity and quality of their bank and service.
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 September 30, 2013 The Bank of River Oaks had $0 in non-current loans and owned real-estate with $39.82 million in equity and loan loss allowances on hand to cover it. This gives The Bank of River Oaks a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
In the past year, The Bank of River Oaks has increased its total deposits by $29.39 million, resulting in 11.54% 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 The Bank of River Oaks has shown is excellent.
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. The Bank of River Oaks has $326.65 million in assets with $39.82 million in equity, resulting in a capitalization level of 12.19%, which is excellent.
|FDIC Certificate #||58142|
|Assets and Liabilities|
|Equity Capital||$37.76 million|
|Loan Loss Allowance||$2.06 million|
|Real Estate Owned||$0|
|Historic Data - September 2012|
|Equity Capital||$35.84 million|
|Loan Loss Allowance||$1.93 million|
|Real Estate Owned||$0|
|Profit Margin - Quarterly|
|Net Interest Margin||4.19%|
|Return on Assets||1.03%|
|Return on Equity||9.31%|
|Interest Income||$10.66 million|
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|The Bank of River Oaks Locations|
|The Medical Center Branch||2348 Holcombe Blvd.||Houston, TX 77030|
|The Bank Of River Oaks||2929 Kirby||Houston, TX 77098|
|Riverway Branch||Five Riverway, Suite 100a and 100b||Houston, TX 77056|