Institution Statistics
| Valley Republic Bank | | FDIC Certificate # | 58828 | | BankRate Report | View | | Year Established | 2009 | | Employees | 34 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $263.11 million | | Loans | $96.71 million | | Deposits | $226.66 million | | Equity Capital | $35.79 million | | Loan Loss Allowance | $1.89 million |
Historic Data - March 2011 | | Assets | $225.66 million | | Equity Capital | $32.69 million | | Loan Loss Allowance | $1.22 million |
Profit Margin - Quarterly | | Net Interest Margin | 2.93% | | Return on Assets | 0.47% | | Return on Equity | 3.41% | | Interest Income | $2.00 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 Valley Republic Bank had $0 in non-current loans and owned real-estate with $37.67 million in equity and loan loss allowances on hand to cover it. This gives Valley Republic Bank 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, Valley Republic Bank has increased its total deposits by $33.93 million, resulting in 17.6% 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 Valley Republic 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. Valley Republic Bank has $263.11 million in assets with $37.67 million in equity, resulting in a capitalization level of 14.32%, which is excellent. |
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