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Overview / Commentary
100 East Main Street
Happy, TX 79042

Happy State Bank is headquartered in Happy and is the 18th largest bank in the state of Texas. It is also the 288th largest bank in the nation. It was established in 1908 and as of September of 2017, it had grown to 678 employees at 34 locations. Happy State Bank has an A health rating.


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Health Grade Components

FDIC Certificate #10359
Year Established1908
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.93%
Return on Equity - YTD7.35%
Annual Interest Income$93.3MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$3.31B$3.08B
LoansQ3 2017vs Q3 2016$2.28B$2.20B
DepositsQ3 2017vs Q3 2016$2.55B$2.56B
Equity CapitalQ3 2017vs Q3 2016$431.5MM$368.3MM
Loan Loss AllowanceQ3 2017vs Q3 2016$29.9MM$29.3MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$20.0MM$15.5MM
Real Estate OwnedQ3 2017vs Q3 2016$2.5MM$2.8MM

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