Texas Ratio

(Updated 7/5/14)

The table below shows all of the Banks that currently have a Texas Ratio at or above 200 based on the 3rd 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 1st Quarter of 2014 "119" Banks had a Texas Ratio of 100 or above while 205 Banks had a Texas Ratio between 50 and 99.   There are now around 6700  Banks so only 2% have a Texas Ratio above 100.  However keep in mind back in late 2007 the were nearly 8500 banks so roughly 1800 (21%) have closed in the last 7 years. 

Banks with a Texas Ratio at or above 200 based on 1st Quarter Data from 2014

Cert Name City State Texas Ratio
58125 Eastside Commercial Bank Conyers GA 628
57866 AztecAmerica Bank Berwyn IL 591
16748 First City Bank of Florida Fort Walton Beach FL 583
173 The Peoples Bank Covington GA 569
57131 Beach Community Bank Fort Walton Beach FL 527
57169 American Patriot Bank Greeneville TN 479
32360 Eastern Savings Bank, FSB Hunt Valley MD 477
33938 Capitol City Bank & Trust Company Atlanta GA 458
35249 Gwinnett Community Bank Duluth GA 412
58421 Foothills Community Bank Dawsonville GA 376
32284 Columbia Savings Bank Cincinnati OH 349
35451 The Bank of Commerce Sarasota FL 342
17557 First National Bank of Crestview Crestview FL 341
35259 The Bank of Georgia Peachtree City GA 329
28462 GreenChoice Bank, fsb Chicago IL 327
34222 First South Bank Spartanburg SC 327
58189 Providence Bank Alpharetta GA 319
57564 Gulf Coast Community Bank Pensacola FL 318
916 The National Republic Bank of Chicago Chicago IL 286
58347 WestSide Bank Hiram GA 285
58103 Signature Bank of Georgia Sandy Springs GA 281
35027 CornerstoneBank Atlanta GA 275
25796 Community Bank and Trust - West Georgia Lagrange GA 272
57884 Superior Bank Hazelwood MO 266
57882 Legacy State Bank Loganville GA 263
57784 Nantahala Bank & Trust Company Franklin NC 263
877 Bank of Eastman Eastman GA 262
5716 Farmers & Merchants Bank Lakeland GA 260
57072 Advantage Bank Loveland CO 260
31121 Cecil Bank Elkton MD 257
24642 Independent Banker's Bank of Florida Lake Mary FL 254
22536 FirstSecure Bank and Trust Co. Palos Hills IL 248
11539 Enterprise Bank of South Carolina Ehrhardt SC 247
32368 Slavie Federal Savings Bank Bel Air MD 246
34334 American Metro Bank Chicago IL 241
28961 First Federal Savings and Loan Association of Hammond Hammond IN 229
34908 Pinnacle Bank Orange City FL 225
57994 Northside Bank Adairsville GA 220
11256 Pinnacle Bank Rogers AR 218
32968 Community Bank and Trust - Alabama Union Springs AL 218
10055 First Southern Bank Patterson GA 218
57252 First Chatham Bank Savannah GA 215
27139 Horry County State Bank Loris SC 211
25795 Peoples Bank & Trust Buford GA 208
34613 Builders Bank Chicago IL 206
11671 State Bank of Herscher Herscher IL 201

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