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Financial Health - Texas Ratio

As of 09/30/2015
Low Risk

The Texas ratio is a measure of a bank's credit troubles. It is a way to measure how risky a bank is. The higher the Texas ratio, the more severe the credit troubles. Any bank with a TX Ratio near or greater than 100% is considered at risk. Developed by Gerard Cassidy and others at RBC Capital Markets, it is calculated by dividing the value of the lender's non-performing assets (Non performing loans + Real Estate Owned) by the sum of its tangible common equity capital and loan loss reserves.

Eagle Bank and Trust Company has a texas ratio of 5.37 which puts it at low risk. As of 09/30/2015 the bank had $1,565 Non Current Loans and Leases, $998 Other Real Estate Owned, $45,600 Total Equity Capital and $2,115 Loan Loss Allowance.

Historical Texas Ratios

Date Non Current Loans and Leases Other Real Estate Owned Total Equity Capital Loan Loss Allowance TX Ratio
09/30/2015 $1,565 $998 $45,600 $2,115 5.37
06/30/2015 $1,322 $809 $44,141 $2,073 4.61
03/31/2015 $1,343 $899 $45,074 $1,988 4.76
12/31/2014 $1,377 $899 $43,568 $1,869 5.01
09/30/2014 $566 $886 $42,558 $1,856 3.27
06/30/2014 $280 $1,114 $41,383 $1,950 3.22
03/31/2014 $276 $1,247 $39,522 $1,930 3.67
12/31/2013 $273 $1,114 $37,624 $1,927 3.51
09/30/2013 $55 $1,186 $38,225 $1,842 3.1
06/30/2013 $361 $1,222 $38,130 $1,846 3.96
03/31/2013 $383 $1,212 $40,537 $1,879 3.76
12/31/2012 $406 $1,219 $40,279 $1,877 3.85
09/30/2012 $386 $1,284 $40,358 $1,882 3.95
06/30/2012 $320 $1,360 $39,188 $1,883 4.09
03/31/2012 $128 $1,571 $38,282 $1,875 4.23
12/31/2011 $0 $809 $23,743 $970 3.27
09/30/2011 $0 $871 $23,690 $951 3.5300000000000002
06/30/2011 $5 $872 $22,222 $892 3.79
03/31/2011 $34 $853 $20,671 $843 4.12
12/31/2010 $140 $629 $19,970 $853 3.69
09/30/2010 $171 $629 $21,185 $798 3.64
06/30/2010 $158 $629 $20,693 $739 3.67
03/31/2010 $396 $722 $19,850 $807 5.41
12/31/2009 $492 $714 $18,504 $819 6.24
09/30/2009 $175 $588 $19,041 $823 3.84
06/30/2009 $646 $551 $17,374 $796 6.59
03/31/2009 $776 $558 $17,422 $775 7.33