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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.

Entegra Bank has a texas ratio of 9.48 which puts it at low risk. As of 09/30/2015 the bank had $7,601 Non Current Loans and Leases, $5,379 Other Real Estate Owned, $127,268 Total Equity Capital and $9,632 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 $7,601 $5,379 $127,268 $9,632 9.48
06/30/2015 $12,349 $4,710 $123,485 $9,451 12.83
03/31/2015 $13,145 $4,917 $108,139 $9,611 15.34
12/31/2014 $16,780 $4,425 $103,498 $11,072 18.51
09/30/2014 $12,388 $6,167 $100,367 $11,772 16.55
06/30/2014 $12,367 $7,486 $54,526 $11,561 30.04
03/31/2014 $9,015 $8,748 $51,813 $11,956 27.86
12/31/2013 $15,628 $10,506 $47,487 $14,251 42.33
09/30/2013 $8,106 $17,751 $54,923 $13,310 37.9
06/30/2013 $13,022 $16,172 $55,034 $13,686 42.48
03/31/2013 $16,564 $18,483 $57,760 $14,435 48.54
12/31/2012 $17,727 $19,754 $56,952 $14,874 52.18
09/30/2012 $21,332 $22,671 $57,444 $14,545 61.12
06/30/2012 $33,320 $20,081 $57,064 $15,533 73.56
03/31/2012 $37,275 $19,895 $56,528 $16,396 78.4
12/31/2011 $41,550 $16,830 $57,737 $16,711 78.42
09/30/2011 $51,950 $19,011 $62,572 $20,337 85.59
06/30/2011 $57,661 $21,563 $64,858 $20,824 92.46
03/31/2011 $59,176 $23,491 $70,405 $20,865 90.57
12/31/2010 $60,482 $21,512 $79,924 $17,196 84.43
09/30/2010 $44,902 $22,848 $93,160 $20,009 59.87
06/30/2010 $47,284 $24,091 $94,784 $19,722 62.33
03/31/2010 $35,013 $24,200 $94,836 $18,257 52.36
12/31/2009 $21,438 $22,830 $95,473 $17,771 39.09
09/30/2009 $27,741 $19,755 $103,682 $10,624 41.55
06/30/2009 $36,600 $17,934 $101,946 $11,880 47.91
03/31/2009 $46,108 $7,007 $103,623 $12,672 45.67