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Overview / Commentary
6000 Legacy Drive
Plano, TX 75024 is headquartered in Plano and is the 18st largest bank in the state of Texas. It is also the 306th largest bank in the nation. It was established in 1988 and as of March of 2014, it had grown to 297 employees at 19 locations. has a C+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 had $368.49 million in non-current loans and owned real-estate with $1.08 billion in equity and loan loss allowances on hand to cover it. This gives a Texas Ratio of 34.22% 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 decreased slightly from 42.14% as of March 31, 2013 to 34.22% as of March 31, 2014, resulting in a positive change of 18.80%.This indicates that the balance sheet and financial strength for has improved slightly in recent periods.

Deposit Growth


In the past year, has decreased its total deposits by -$496.47 million, resulting in -29.09% 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 has shown is poor.



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. has $2.43 billion in assets with $1.08 billion in equity, resulting in a capitalization level of 44.36%, which is excellent.

Institution Statistics

FDIC Certificate #32574
Year Established1988
Primary RegulatorFDIC
Assets and Liabilities
Assets$2.43 billion
Loans$1.71 billion
Deposits$1.21 billion
Equity Capital$1.03 billion
Loan Loss Allowance$51.76 million
Unbacked Noncurrent Loans$326.39 million
Real Estate Owned$42.10 million
Historic Data - March 2013
Assets$2.99 billion
Equity Capital$951.90 million
Loan Loss Allowance$67.95 million
Unbacked Noncurrent Loans$326.39 million
Real Estate Owned$41.61 million
Profit Margin - Quarterly
Return on Assets5.33%
Return on Equity13.18%
Interest Income$39.80 million
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0.25%$500-Statement Savings Money Market Rates

0.40%$25k-Money Market CD Rates

0.66%$10k-12 Month CD
0.61%$10k-6 Month CD
0.61%$10k-9 Month CD
0.51%$10k-3 Month CD IRA Rates

0.76%$1k-2 Year IRA
0.76%$1k-3 Year IRA
0.76%$1k-4 Year IRA
0.76%$1k-5 Year IRA
0.66%$1k-1 Year IRA
Locations is an Internet only bank and does not have branch locations. Its headquarters is located at 6000 Legacy Drive - Plano, TX 75024