Texas Ratio

(Updated 3/31/14)

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 3rd Quarter of 2013 "136" Banks had a Texas Ratio of 100 or above while 227 Banks had a Texas Ratio between 50 and 99.   There are now around 6800  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 1700 (20%) have closed in the last 6 years. 

Banks with a Texas Ratio at or above 200 based on 4th Quarter Data from 2013

Cert Name City State Texas Ratio
16748 First City Bank of Florida Fort Walton Beach FL 572
173 The Peoples Bank Covington GA 559
57131 Beach Community Bank Fort Walton Beach FL 528
57866 AztecAmerica Bank Berwyn IL 523
58421 First Citizens Bank of Georgia Dawsonville GA 514
57564 Gulf Coast Community Bank Pensacola FL 505
58125 Eastside Commercial Bank Conyers GA 501
57169 American Patriot Bank Greeneville TN 497
32360 Eastern Savings Bank, FSB Hunt Valley MD 497
33938 Capitol City Bank & Trust Company Atlanta GA 441
35249 Gwinnett Community Bank Duluth GA 440
34222 First South Bank Spartanburg SC 430
35451 The Bank of Commerce Sarasota FL 407
17557 First National Bank of Crestview Crestview FL 372
17967 The Bank of Union El Reno OK 345
35259 The Bank of Georgia Peachtree City GA 343
11539 Enterprise Bank of South Carolina Ehrhardt SC 334
58189 Providence Bank Alpharetta GA 329
32284 Columbia Savings Bank Cincinnati OH 328
57882 Legacy State Bank Loganville GA 320
24642 Independent Banker's Bank of Florida Lake Mary FL 310
58347 WestSide Bank Hiram GA 308
28462 GreenChoice Bank, fsb Chicago IL 307
57057 Park Cities Bank Dallas TX 299
31121 Cecil Bank Elkton MD 284
35312 First CornerStone Bank King Of Prussia PA 283
32368 Slavie Federal Savings Bank Bel Air MD 282
58103 Signature Bank of Georgia Sandy Springs GA 282
5716 Farmers & Merchants Bank Lakeland GA 281
877 Bank of Eastman Eastman GA 272
27139 Horry County State Bank Loris SC 272
57276 Bank of Las Vegas Henderson NV 267
57884 Superior Bank Hazelwood MO 261
57072 Advantage Bank Loveland CO 260
35027 CornerstoneBank Atlanta GA 259
57784 Nantahala Bank & Trust Company Franklin NC 258
25795 Peoples Bank & Trust Buford GA 251
58005 Georgia Heritage Bank Dallas GA 248
57719 Great Florida Bank Coral Gables FL 246
9246 Northwest Georgia Bank Ringgold GA 241
25796 Community Bank and Trust - West Georgia Lagrange GA 237
916 The National Republic Bank of Chicago Chicago IL 235
32968 Community Bank and Trust - Alabama Union Springs AL 235
11671 State Bank of Herscher Herscher IL 228
28961 First Federal Savings and Loan Association of Hammond Hammond IN 228
11256 Pinnacle Bank Rogers AR 227
34334 American Metro Bank Chicago IL 225
57252 First Chatham Bank Savannah GA 225
10055 First Southern Bank Patterson GA 224
22536 FirstSecure Bank and Trust Co. Palos Hills IL 222
18641 First Bank and Trust Company of Illinois Palatine IL 219
22460 Monterey County Bank Monterey CA 202
57763 Mountain 1st Bank & Trust Company Hendersonville NC 202
18564 First National Bank of Brookfield Brookfield IL 201



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