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Ken Tumin founded the Bank Deals Blog in 2005 and has been passionately covering the best deposit deals ever since. He is frequently referenced by The New York Times, The Wall Street Journal, and other publications as a top expert, but he is first and foremost a fellow deal seeker and member of the wonderful community of savers that frequents DepositAccounts.

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Texas Ratio List for Banks and Credit Unions


Based on recommendations from readers, we've added a new feature to our Bank Health Ratings page. At the bottom half of the page, we have a new table showing the Texas Ratios of banks and credit unions. You can choose to list the banks with the worst or the best Texas Ratios. You can also filter the list by institution type, by asset size and by state.

Unlike most other Texas Ratio lists on the web, we include both banks and credit unions.

Texas Ratio Overview

For those not familiar with Texas Ratio, please refer to the post, Evaluate the Health of Your Bank. In summary, Texas Ratio is an industry standard for calculating the health of a bank. Anything over 100% is considered at risk. However, it's not the only factor to consider, and a high Texas Ratio does not necessarily mean the institution will fail.

One thing to note about our Texas Ratios is that at-risk loans that are backed by the government are filtered out. If you see differences between our Texas Ratios and the Texas Ratios in other lists, that may be the reason.

Finding an Institution's Texas Ratio & Other Stats

If you can't find your bank or credit union on the list, you can use the search box right above the list to find your institution. The Texas Ratio of your institution might be in the middle of the pack so it won't be on the worst or best list.

The list should not show banks and credit unions that have been closed. When an institution closes, we mark the institution as inactive. That prevents the institution from showing on this list.

If you click on the name of the institution in the list, you can see our hub page for that institution. You can use the tabs on the hub page to view our health page which includes not only the Texas Ratio, but many other statistics such as the assets and deposits. There's also our own rating for the institution which combines the Texas Ratio with a few other factors including capitalization level.

Based on FDIC & NCUA Data

These Texas Ratios are based on data that's publicly available from the FDIC and NCUA. Each bank files with its regulator a Call Report at the end of each quarter. The FDIC collects, corrects, and makes the Call Reports available online. This usually takes just under two months after the end of the quarter. The 2010 second quarter FDIC release occurred on August 31, 2010. The FDIC should be releasing Q3 2010 data later this month. Once the data is released, we should have these Texas Ratios updated in a couple of days.

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Comment #1 by Anonymous posted on
This is great.  Is the Texas Ration Score up-to-date or how recently was it formulated?  Thanks a million for this wonderful information.

Comment #2 by KenBDG posted on
It's based on FDIC and NCUA data that was released in August. They release new data quarterly so we should be updating our Texas Ratios soon.

Comment #3 by Hal (anonymous) posted on
Well done, Ken.  Good and useful information.  Really appreciate it your effort.

Comment #4 by anonymous (anonymous) posted on
This is an awesome database and service! Thanks!

Comment #5 by melinda (anonymous) posted on
How can I get the current ratings?  How does this compare to Weiss Ratings?  thank you