Happy State Bank

Overview / Commentary
100 East Main Street
Happy, TX 79042

Happy State Bank is headquartered in Happy and is the 19th largest bank in the state of Texas. It is also the 279th largest bank in the nation. It was established in 1908 and as of December of 2019, it had grown to 729 employees at 41 locations. Happy State Bank has an A health rating.


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Health Grade Components

FDIC Certificate #10359
Year Established1908
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.33%
Return on Equity - YTD8.78%
Annual Interest Income$168.7MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$3.82B$3.44B
LoansQ4 2019vs Q4 2018$2.62B$2.40B
DepositsQ4 2019vs Q4 2018$3.08B$2.86B
Equity CapitalQ4 2019vs Q4 2018$593.1MM$506.1MM
Loan Loss AllowanceQ4 2019vs Q4 2018$34.2MM$33.0MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$41.9MM$20.2MM
Real Estate OwnedQ4 2019vs Q4 2018$1.5MM$2.7MM

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