Texas Ratio

(Updated 3/14/17)

The table below shows all of the Banks that currently have a Texas Ratio at or above 100 based on the 3rd Quarter of 2016.  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 3rd Quarter of 2016 "34" Banks had a Texas Ratio of 100 or above while 54 Banks had a Texas Ratio between 50 and 99.   There are now 5914  Banks so less than 1.0% have a Texas Ratio above 100.  However keep in mind back in late 2007 the were nearly 8500 banks so roughly 2600 (34%) have closed in the last 9 years. 

Banks with a Texas Ratio at or above 100 based on 3rd Quarter Data from 2016

Cert Name city State Texas Ratio
57131 Beach Community Bank Fort Walton Beach FL 728
31121 Cecil Bank Elkton MD 682.5
16396 Lafayette State Bank Mayo FL 454
34951 Harvest Community Bank Pennsville NJ 382.7
16748 First City Bank of Florida Fort Walton Beac FL 380.6
35249 Gwinnett Community Bank Duluth GA 370.1
14361 The First State Bank Barboursville WV 245.3
57784 Nantahala Bank & Trust Company Franklin NC 238.8
28407 Liberty FSB Enid OK 231.4
25796 Community Bank and Trust - West Georgia Lagrange GA 225.8
1802 Fayette County Bank Saint Elmo IL 207.9
34908 Pinnacle Bank Orange City FL 183.8
58347 WestSide Bank Hiram GA 165.5
58189 Providence Bank Alpharetta GA 160.6
10318 Sevier County Bank Sevierville TN 160.4
57994 Northside Bank Adairsville GA 160.1
9499 Civis Bank Rogersville TN 156.2
5716 Farmers & Merchants Bank Lakeland GA 154.9
34222 First South Bank Spartanburg SC 152.7
35451 The Bank of Commerce Sarasota FL 148
35241 South Carolina Community Bank Columbia SC 145.2
28480 Columbia Savings and Loan Association Milwaukee WI 139.8
35393 United Trust Bank Palos Heights IL 134.5
9502 First State Bank Danville VA 128.6
18641 First Bank and Trust Company of Illinois Palatine IL 127.9
57882 Legacy State Bank Loganville GA 126
22460 Monterey County Bank Monterey CA 122.7
10055 First Southern Bank Patterson GA 121.5
16916 F & M Bank and Trust Company Manchester GA 120.9
877 Bank of Eastman Eastman GA 118.4
57884 Superior Bank Hazelwood MO 112.3
58184 Merchants Commercial Bank St Thomas VI 112
17878 Bank of Louisiana New Orleans LA 107.2
35314 Alamerica Bank Birmingham AL 102

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