Institution Statistics
| Tri-State Bank and Trust | | FDIC Certificate # | 27611 | | BankRate Report | View | | Year Established | 1989 | | Employees | 9 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $33.53 million | | Loans | $3.14 million | | Deposits | $28.08 million | | Equity Capital | $5.40 million | | Loan Loss Allowance | $188,000 |
Historic Data - March 2011 | | Assets | $32.94 million | | Equity Capital | $5.08 million | | Loan Loss Allowance | $188,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.54% | | Return on Assets | 3.04% | | Return on Equity | 19.35% | | Interest Income | $460,000 |
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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 Tri-State Bank and Trust had $0 in non-current loans and owned real-estate with $5.59 million in equity and loan loss allowances on hand to cover it. This gives Tri-State Bank and Trust a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth |  | | In the past year, Tri-State Bank and Trust has increased its total deposits by $263,000, resulting in 0.95% 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 Tri-State Bank and Trust 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. Tri-State Bank and Trust has $33.53 million in assets with $5.59 million in equity, resulting in a capitalization level of 16.67%, which is excellent. |
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