Texas Ratio

(Updated 4/12/16)

The table below shows all of the Banks that currently have a Texas Ratio at or above 100 based on the 4th Quarter of 2013.  All data comes from the FDIC SDI database (Lines 8, 11, 26, 32, 33) and does not include Loans backed by the Government as they were subtracted out.   Also there are a number of factors that can cause a Bank to have a high Texas Ratio so that doesn't mean the Bank will fail.

As of the 2nd Quarter of 2015 "63" Banks had a Texas Ratio of 100 or above while 71 Banks had a Texas Ratio between 50 and 99.   There are now 6182  Banks so only 1.0% have a Texas Ratio above 100.  However keep in mind back in late 2007 the were nearly 8500 banks so roughly 2318 (27%) have closed in the last 8 years. 

Banks with a Texas Ratio at or above 100 based on 4th Quarter Data from 2015

Cert Name City State Texas Ratio
57131 Beach Community Bank Fort Walton Beach FL 705.3
31121 Cecil Bank Elkton MD 545.1
35249 Gwinnett Community Bank Duluth GA 479.2
57169 American Patriot Bank Greeneville TN 466.2
16748 First City Bank of Florida Fort Walton Beach FL 378.9
57994 Northside Bank Adairsville GA 366.9
58347 WestSide Bank Hiram GA 309.5
34951 Harvest Community Bank Pennsville NJ 307
11297 The Woodbury Banking Company Woodbury GA 304.6
9956 Trust Company Bank Memphis TN 296.1
5716 Farmers & Merchants Bank Lakeland GA 282.5
58421 Foothills Community Bank Dawsonville GA 263
57882 Legacy State Bank Loganville GA 247.4
16396 Lafayette State Bank Mayo FL 242.2
57564 Gulf Coast Community Bank Pensacola FL 239
57784 Nantahala Bank & Trust Company Franklin NC 234.5
35312 First CornerStone Bank King Of Prussia PA 222.9
34908 Pinnacle Bank Orange City FL 208.6
25796 Community Bank and Trust - West Georgia Lagrange GA 197.7
91 Allied Bank Mulberry AR 183
14361 The First State Bank Barboursville WV 179.9
35451 The Bank of Commerce Sarasota FL 179.4
16916 F & M Bank and Trust Company Manchester GA 177.8
58189 Providence Bank Alpharetta GA 175.6
35393 United Trust Bank Palos Heights IL 166.5
34222 First South Bank Spartanburg SC 165.8
877 Bank of Eastman Eastman GA 163.4
28407 Liberty FSB Enid OK 162.6
1802 Fayette County Bank Saint Elmo IL 161.7
10318 Sevier County Bank Sevierville TN 160.2
57477 Eagle Community Bank Maple Grove MN 159.3
9499 Civis Bank Rogersville TN 158.9
35241 South Carolina Community Bank Columbia SC 155.7
29399 Illinois-Service Federal Savings and Loan Association Chicago IL 153.9
19328 Seaway Bank and Trust Company Chicago IL 152.2
34613 Builders Bank Chicago IL 151.8
20364 North Milwaukee State Bank Milwaukee WI 151.4
193 The Heritage Bank Hinesville GA 150.3
27139 Horry County State Bank Loris SC 147.8
32360 Eastern Savings Bank, FSB Hunt Valley MD 146.9
18641 First Bank and Trust Company of Illinois Palatine IL 145.5
57252 First Chatham Bank Savannah GA 140.5
5820 State Central Bank Bonaparte IA 138
11256 Pinnacle Bank Rogers AR 136.8
57884 Superior Bank Hazelwood MO 134.2
58158 CenTrust Bank, National Association Northbrook IL 132.8
35495 Proficio Bank Cottonwood Heights UT 130.3
28480 Columbia Savings and Loan Association Milwaukee WI 130.2
22460 Monterey County Bank Monterey CA 120.9
16152 The Peoples Bank Eatonton GA 118
35314 Alamerica Bank Birmingham AL 114
28053 Park Federal Savings Bank Chicago IL 112.2
58103 Signature Bank of Georgia Sandy Springs GA 111.3
30003 Guaranty Bank Milwaukee WI 107.8
11539 Enterprise Bank of South Carolina Ehrhardt SC 107.4
9502 First State Bank Danville VA 106
22811 Brickyard Bank Lincolnwood IL 105.9
10055 First Southern Bank Patterson GA 104.3
58184 Merchants Commercial Bank St Thomas VI 102.6
17089 Persons Banking Company Forsyth GA 101.8
32968 Community Bank and Trust - Alabama Union Springs AL 101
28761 Heartland Bank Bryant AR 100.8
58294 First Covenant Bank Commerce GA 99.7



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