Texas Ratio

(Updated 1/15/16)

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 "67" Banks had a Texas Ratio of 100 or above while 79 Banks had a Texas Ratio between 50 and 99.   There are now around 6270  Banks so only 1.1% have a Texas Ratio above 100.  However keep in mind back in late 2007 the were nearly 8500 banks so roughly 2230 (26%) have closed in the last 8 years. 

Banks with a Texas Ratio at or above 100 based on 2nd Quarter Data from 2015

Cert Name City    State Texas Ratio
59028 CertusBank, National Association Easley SC 2988
57131 Beach Community Bank Fort Walton Beach FL 639
57169 American Patriot Bank Greeneville TN 465
57994 Northside Bank Adairsville GA 411
35249 Gwinnett Community Bank Duluth GA 408
35259 The Bank of Georgia Peachtree City GA 407
16748 First City Bank of Florida Fort Walton Beach FL 365
31121 Cecil Bank Elkton MD 361
58347 WestSide Bank Hiram GA 319
34951 Harvest Community Bank Pennsville NJ 290
35312 First CornerStone Bank King Of Prussia PA 276
5716 Farmers & Merchants Bank Lakeland GA 276
58421 Foothills Community Bank Dawsonville GA 256
57564 Gulf Coast Community Bank Pensacola FL 245
57882 Legacy State Bank Loganville GA 244
35241 South Carolina Community Bank Columbia SC 242
57784 Nantahala Bank & Trust Company Franklin NC 234
34908 Pinnacle Bank Orange City FL 209
58189 Providence Bank Alpharetta GA 187
25796 Community Bank and Trust - West Georgia Lagrange GA 179
35393 United Trust Bank Palos Heights IL 178
9956 Trust Company Bank Memphis TN 177
32360 Eastern Savings Bank, FSB Hunt Valley MD 177
16396 Lafayette State Bank Mayo FL 176
11297 The Woodbury Banking Company Woodbury GA 168
877 Bank of Eastman Eastman GA 167
34613 Builders Bank Chicago IL 159
57252 First Chatham Bank Savannah GA 159
10318 Sevier County Bank Sevierville TN 158
35451 The Bank of Commerce Sarasota FL 158
5820 State Central Bank Bonaparte IA 157
27139 Horry County State Bank Loris SC 156
20364 North Milwaukee State Bank Milwaukee WI 155
14361 The First State Bank Barboursville WV 155
91 Allied Bank Mulberry AR 154
18641 First Bank and Trust Company of Illinois Palatine IL 152
29399 Illinois-Service Federal Savings and Loan Association Chicago IL 151
28407 Liberty FSB Enid OK 150
34222 First South Bank Spartanburg SC 150
16916 F & M Bank and Trust Company Manchester GA 148
11256 Pinnacle Bank Rogers AR 143
28480 Columbia Savings and Loan Association Milwaukee WI 141
193 The Heritage Bank Hinesville GA 141
58103 Signature Bank of Georgia Sandy Springs GA 138
19328 Seaway Bank and Trust Company Chicago IL 136
57477 Eagle Community Bank Maple Grove MN 136
9499 Civis Bank Rogersville TN 133
16152 The Peoples Bank Eatonton GA 133
57884 Superior Bank Hazelwood MO 133
22460 Monterey County Bank Monterey CA 130
11539 Enterprise Bank of South Carolina Ehrhardt SC 130
58158 CenTrust Bank, National Association Northbrook IL 129
1802 Fayette County Bank Saint Elmo IL 129
35314 Alamerica Bank Birmingham AL 120
34090 American Enterprise Bank Buffalo Grove IL 116
25795 Peoples Bank & Trust Buford GA 115
9797 The Bank of Macks Creek Macks Creek MO 113
35027 CornerstoneBank Atlanta GA 113
58184 Merchants Commercial Bank St Thomas VI 111
28053 Park Federal Savings Bank Chicago IL 111
57279 Commerce Bank of Arizona Tucson AZ 107
58294 First Covenant Bank Commerce GA 105
35513 Community Bank of Pickens County Jasper GA 105
10055 First Southern Bank Patterson GA 103
30003 Guaranty Bank Milwaukee WI 101
32968 Community Bank and Trust - Alabama Union Springs AL 101
57264 Affinity Bank Atlanta GA 100



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