Institution Statistics
| The State National Bank & Trust Company | | FDIC Certificate # | 5490 | | BankRate Report | View | | Year Established | 1892 | | Employees | 19 | | Primary Regulator | OCC |
Assets and Liabilities | | Assets | $125.68 million | | Loans | $64.11 million | | Deposits | $108.53 million | | Equity Capital | $15.68 million | | Loan Loss Allowance | $881,000 | | Unbacked Noncurrent Loans | $318,000 |
Historic Data - March 2011 | | Assets | $112.00 million | | Equity Capital | $14.38 million | | Loan Loss Allowance | $840,000 | | Unbacked Noncurrent Loans | $356,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.35% | | Return on Assets | 0.91% | | Return on Equity | 7.22% | | Interest Income | $1.19 million |
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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 State National Bank & Trust Company had $318,000 in non-current loans and owned real-estate with $16.56 million in equity and loan loss allowances on hand to cover it. This gives The State National Bank & Trust Company a Texas Ratio of 1.92% 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 The State National Bank & Trust Company decreased slightly from 2.34% as of March 31, 2011 to 1.92% as of March 31, 2012, resulting in a positive change of 17.91%.This indicates that the balance sheet and financial strength for The State National Bank & Trust Company has improved slightly in recent periods. | | Deposit Growth | | | In the past year, The State National Bank & Trust Company has increased its total deposits by $12.28 million, resulting in 12.76% 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 State National Bank & Trust Company 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 State National Bank & Trust Company has $125.68 million in assets with $16.56 million in equity, resulting in a capitalization level of 13.17%, which is excellent. |
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