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Financial Health - Texas Ratio

As of 09/30/2015
Medium 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.

One Bank & Trust, National Association has a texas ratio of 45.89 which puts it at medium risk. As of 09/30/2015 the bank had $8,995 Non Current Loans and Leases, $2,114 Other Real Estate Owned, $18,939 Total Equity Capital and $5,268 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 $8,995 $2,114 $18,939 $5,268 45.89
06/30/2015 $6,416 $2,264 $12,785 $5,403 47.72
03/31/2015 $5,611 $2,374 $14,066 $5,725 40.35
12/31/2014 $5,117 $2,680 $15,578 $5,836 36.41
09/30/2014 $9,687 $4,035 $16,855 $6,259 59.37
06/30/2014 $11,265 $4,641 $16,792 $6,571 68.08
03/31/2014 $8,113 $5,933 $13,763 $7,249 66.85
12/31/2013 $17,260 $4,896 $14,737 $7,907 97.84
09/30/2013 $19,735 $8,847 $16,404 $8,001 117.12
06/30/2013 $19,768 $9,166 $18,746 $7,925 108.48
03/31/2013 $16,908 $10,010 $19,918 $7,623 97.74
12/31/2012 $15,462 $11,405 $22,872 $7,027 89.86
09/30/2012 $16,287 $12,097 $26,770 $6,409 85.55
06/30/2012 $15,222 $11,343 $38,607 $6,739 58.58
03/31/2012 $18,859 $11,779 $38,089 $5,949 69.57
12/31/2011 $17,732 $11,926 $37,570 $5,897 68.23
09/30/2011 $19,084 $10,863 $37,532 $6,670 67.75
06/30/2011 $17,329 $8,004 $36,904 $6,859 57.89
03/31/2011 $10,199 $7,848 $37,554 $7,532 40.03
12/31/2010 $14,356 $3,892 $37,407 $7,479 40.65
09/30/2010 $14,603 $4,889 $42,891 $4,497 41.13
06/30/2010 $14,923 $2,700 $43,474 $4,150 37
03/31/2010 $12,786 $3,630 $43,129 $4,013 34.82
12/31/2009 $12,143 $4,192 $42,619 $3,896 35.12
09/30/2009 $6,136 $3,159 $42,172 $3,868 20.19
06/30/2009 $4,863 $3,456 $41,572 $3,927 18.28
03/31/2009 $5,874 $4,693 $31,129 $4,133 29.97