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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.

Glacier Bank has a texas ratio of 5.89 which puts it at low risk. As of 09/30/2015 the bank had $58,697 Non Current Loans and Leases, $16,927 Other Real Estate Owned, $1,153,240 Total Equity Capital and $130,768 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 $58,697 $16,927 $1,153,240 $130,768 5.89
06/30/2015 $57,735 $17,183 $1,151,031 $130,519 5.85
03/31/2015 $63,011 $18,286 $1,148,099 $129,856 6.36
12/31/2014 $62,381 $18,136 $1,111,123 $129,753 6.49
09/30/2014 $69,978 $19,011 $1,122,819 $130,632 7.1
06/30/2014 $77,931 $17,806 $1,075,565 $130,636 7.9399999999999995
03/31/2014 $79,482 $18,955 $1,050,264 $130,729 8.34
12/31/2013 $82,668 $18,493 $1,030,517 $130,351 8.71
09/30/2013 $88,475 $27,594 $1,013,996 $130,765 10.14
06/30/2013 $89,734 $28,902 $980,026 $130,883 10.68
03/31/2013 $91,422 $30,424 $960,737 $130,835 11.16
12/31/2012 $98,427 $29,472 $954,717 $130,854 11.78
09/30/2012 $119,133 $54,435 $962,323 $136,660 15.79
06/30/2012 $129,736 $63,795 $948,154 $137,459 17.83
03/31/2012 $51,077 $8,439 $192,246 $34,105 26.29
12/31/2011 $49,040 $10,078 $190,359 $35,336 26.19
09/30/2011 $58,367 $9,225 $187,417 $35,853 30.27
06/30/2011 $51,249 $10,499 $180,586 $37,320 28.34
03/31/2011 $55,134 $7,578 $174,583 $35,904 29.79
12/31/2010 $57,659 $7,999 $172,224 $34,701 31.73
09/30/2010 $62,414 $6,457 $169,738 $34,936 33.65
06/30/2010 $64,449 $5,474 $164,453 $37,817 34.57
03/31/2010 $68,886 $6,381 $161,008 $37,618 37.89
12/31/2009 $73,461 $6,774 $139,800 $38,978 44.88
09/30/2009 $75,712 $7,579 $141,873 $35,835 46.87
06/30/2009 $48,574 $4,953 $136,397 $28,765 32.41
03/31/2009 $26,487 $3,107 $132,878 $22,596 19.03