Texas Ratio

(Updated 7/22/15)

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 4th Quarter of 2014 "77" Banks had a Texas Ratio of 100 or above while 102 Banks had a Texas Ratio between 50 and 99.   There are now around 6420  Banks so only 1.2% have a Texas Ratio above 100.  However keep in mind back in late 2007 the were nearly 8500 banks so roughly 1800 (25%) have closed in the last 7 years. 

Banks with a Texas Ratio at or above 100 based on 4th Quarter Data from 2014

Cert Name City Of Industry State Texas Ratio
57772 Edgebrook Bank Chicago IL 555
57131 Beach Community Bank Fort Walton Beach FL 523
57169 American Patriot Bank Greeneville TN 448
16748 First City Bank of Florida Fort Walton Beach FL 437
35249 Gwinnett Community Bank Duluth GA 390
35259 The Bank of Georgia Peachtree City GA 355
58347 WestSide Bank Hiram GA 323
31121 Cecil Bank Elkton MD 313
57784 Nantahala Bank & Trust Company Franklin NC 287
35241 South Carolina Community Bank Columbia SC 278
11671 State Bank of Herscher Herscher IL 274
10318 Sevier County Bank Sevierville TN 270
5716 Farmers & Merchants Bank Lakeland GA 268
35312 First CornerStone Bank King Of Prussia PA 262
57564 Gulf Coast Community Bank Pensacola FL 262
57994 Northside Bank Adairsville GA 254
57882 Legacy State Bank Loganville GA 232
32360 Eastern Savings Bank, FSB Hunt Valley MD 226
58421 Foothills Community Bank Dawsonville GA 225
58189 Providence Bank Alpharetta GA 225
34908 Pinnacle Bank Orange City FL 218
16396 Lafayette State Bank Mayo FL 207
21111 City National Bank of New Jersey Newark NJ 206
9956 Trust Company Bank Memphis TN 206
877 Bank of Eastman Eastman GA 191
34951 Harvest Community Bank Pennsville NJ 179
35393 United Trust Bank Palos Heights IL 179
58103 Signature Bank of Georgia Sandy Springs GA 178
5820 State Central Bank Bonaparte IA 178
34222 First South Bank Spartanburg SC 176
25796 Community Bank and Trust - West Georgia Lagrange GA 174
57252 First Chatham Bank Savannah GA 173
34613 Builders Bank Chicago IL 171
10055 First Southern Bank Patterson GA 166
27139 Horry County State Bank Loris SC 165
18641 First Bank and Trust Company of Illinois Palatine IL 163
35027 CornerstoneBank Atlanta GA 160
11539 Enterprise Bank of South Carolina Ehrhardt SC 156
11256 Pinnacle Bank Rogers AR 153
57884 Superior Bank Hazelwood MO 153
22460 Monterey County Bank Monterey CA 148
1802 Fayette County Bank Saint Elmo IL 148
20364 North Milwaukee State Bank Milwaukee WI 147
14361 The First State Bank Barboursville WV 145
25795 Peoples Bank & Trust Buford GA 145
9499 Civis Bank Rogersville TN 141
193 The Heritage Bank Hinesville GA 140
16916 F & M Bank and Trust Company Manchester GA 139
35314 Alamerica Bank Birmingham AL 137
91 Allied Bank Mulberry AR 137
57279 Commerce Bank of Arizona Tucson AZ 136
15254 The Citizens State Bank and Trust Company Woodbine KS 136
24642 Independent Banker's Bank of Florida Lake Mary FL 135
58158 CenTrust Bank, National Association Northbrook IL 135
28407 Liberty FSB Enid OK 135
35451 The Bank of Commerce Sarasota FL 135
29399 Illinois-Service Federal Savings and Loan Association Chicago IL 134
11297 The Woodbury Banking Company Woodbury GA 133
57477 Eagle Community Bank Maple Grove MN 133
21478 First Citizens Bank of Polson, National Association Polson MT 126
28480 Columbia Savings and Loan Association Milwaukee WI 125
30003 Guaranty Bank Milwaukee WI 123
9797 The Bank of Macks Creek Macks Creek MO 119
57899 1st Advantage Bank Saint Peters MO 118
16152 The Peoples Bank Eatonton GA 118
19753 Citizens State Bank Kingsland GA 116
9246 Northwest Georgia Bank Ringgold GA 113
58294 First Covenant Bank Commerce GA 112
34090 American Enterprise Bank Buffalo Grove IL 111
57264 Affinity Bank Atlanta GA 110
35513 Community Bank of Pickens County Jasper GA 107
19328 Seaway Bank and Trust Company Chicago IL 106
32968 Community Bank and Trust - Alabama Union Springs AL 104
59028 CertusBank, National Association Easley SC 103
9314 PBI Bank Louisville KY 103
17089 Persons Banking Company Forsyth GA 102
18564 First National Bank of Brookfield Brookfield IL 100


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