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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 288th largest bank in the nation. It was established in 1908 and as of December of 2017, it had grown to 680 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 - YTD0.91%
Return on Equity - YTD7.18%
Annual Interest Income$125.9MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$3.41B$3.13B
LoansQ4 2017vs Q4 2016$2.34B$2.15B
DepositsQ4 2017vs Q4 2016$2.69B$2.65B
Equity CapitalQ4 2017vs Q4 2016$440.2MM$386.7MM
Loan Loss AllowanceQ4 2017vs Q4 2016$29.4MM$30.1MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$23.1MM$16.1MM
Real Estate OwnedQ4 2017vs Q4 2016$2.4MM$3.0MM

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