Institution Statistics
| The Bendena State Bank | | FDIC Certificate # | 17410 | | BankRate Report | View | | Year Established | 1904 | | Employees | 11 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $44.75 million | | Loans | $25.26 million | | Deposits | $41.14 million | | Equity Capital | $3.51 million | | Loan Loss Allowance | $224,000 | | Unbacked Noncurrent Loans | $2,000 |
Historic Data - March 2011 | | Assets | $25.21 million | | Equity Capital | $2.26 million | | Loan Loss Allowance | $163,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.39% | | Return on Assets | 0.5% | | Return on Equity | 6.24% | | Interest Income | $410,000 |
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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 The Bendena State Bank had $2,000 in non-current loans and owned real-estate with $3.74 million in equity and loan loss allowances on hand to cover it. This gives The Bendena State Bank a Texas Ratio of 0.05% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth | | | In the past year, The Bendena State Bank has increased its total deposits by $18.44 million, resulting in 81.2% 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 Bendena State 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. The Bendena State Bank has $44.75 million in assets with $3.74 million in equity, resulting in a capitalization level of 8.35%, which is average. |
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