The Blanco National Bank

The Blanco National Bank is headquartered in Blanco and is the 299^th largest bank in the state of Texas. It is also the 3,754^th largest bank in the nation. It was established in 1906 and as of March of 2012, it had grown to 57 employees at 4 locations. The Blanco National Bank's savings rates are 54% higher than the national average, and it has a 3-star health rating.

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Data for Q1 2012

Institution Statistics The Blanco National Bank FDIC Certificate # 3105 BankRate Report View Year Established 1906 Employees 57 Primary Regulator OCC Assets and Liabilities Assets $157.11 million Loans $84.89 million Deposits $140.97 million Equity Capital $15.66 million Loan Loss Allowance $1.12 million Unbacked Noncurrent Loans $4.01 million Real Estate Owned $946,000 Historic Data - March 2011 Assets $154.13 million Equity Capital $14.88 million Loan Loss Allowance $1.21 million Unbacked Noncurrent Loans $2.25 million Real Estate Owned $1.02 million Profit Margin - Quarterly Net Interest Margin 4.54% Return on Assets 0.32% Return on Equity 3.17% Interest Income $1.79 million

Institution Health Overall Score: 3 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 Blanco National Bank had $4.96 million in non-current loans and owned real-estate with $16.78 million in equity and loan loss allowances on hand to cover it. This gives The Blanco National Bank a Texas Ratio of 29.53% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Blanco National Bank increased slightly from 20.36% as of March 31, 2011 to 29.53% as of March 31, 2012, resulting in a negative change of 45.06%. This indicates that the balance sheet and financial strength for The Blanco National Bank has declined slightly in recent periods. Deposit Growth In the past year, The Blanco National Bank has increased its total deposits by $2.17 million, resulting in 1.56% 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 Blanco National Bank has shown is above 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. The Blanco National Bank has $157.11 million in assets with $16.78 million in equity, resulting in a capitalization level of 10.68%, which is above average.

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