Texas Ratio Report · Bank of Pine Hill Pine Hill 5.9 12.87 0 13.08 24,488 -1.8% 21,279 0.0% -0.26...

Texas Ratio Report

First Quarter 2016

Table of ContentsAlabama Banks and ThriftsTexas Ratio > 75% Texas Ratio < 75 %

Arkansas Banks and ThriftsTexas Ratio > 75% Texas Ratio < 75 %

Florida Banks and Thrifts Texas Ratio > 75% -Texas Ratio < 75 %

Georgia Banks and Thrifts Texas Ratio > 75% Texas Ratio < 75 %

Kentucky Banks and Thrifts Texas Ratio > 75% Texas Ratio < 75 %

Louisiana Banks and Thrifts Texas Ratio > 75% Texas Ratio < 75 %

Maryland Banks and Thrifts Texas Ratio > 75% Texas Ratio < 75 %

Mississippi Banks and Thrifts Texas Ratio > 75% Texas Ratio < 75 %

North Carolina Banks and Thrifts Texas Ratio > 75% Texas Ratio < 75 %

South Carolina Banks and Thrifts Texas Ratio > 75% Texas Ratio < 75 %

Tennessee Banks and Thrifts Texas Ratio > 75% Texas Ratio < 75 %

Texas Banks and ThriftsTexas Ratio > 75% Texas Ratio < 75 %

Virginia Banks and Thrifts Texas Ratio > 75% Texas Ratio < 75 %

West Virginia Banks and Thrifts Texas Ratio > 75% Texas Ratio < 75 %

Excluded Banks

3-67

8-1011

12-1516

17-2122

23-27 28

29-32 33

34-35 36

37-38 39

40-41 42

43-44 45

46-49 50

51-61 62

63-65 66

70

67-68 69

Bank City

Top

Level

Ticker

Texas

Ratio

(%)

Leverage

Ratio

(%)

Tier 1

Shortfall

(to 8%)

TCE/

TA

(%)

Total

Assets

($000)

1-Year

Change in

Total Assets

(%)

Total

Deposits

($000)

Brokered

(%)

LTM

ROAA

(%)

NIM

(FTE)

(%)

LTM Net

Income

($000)

First Progressive Bank Brewton 3.6 25.94 0 25.78 31,471 -1.8% 23,334 0.0% 0.14 3.06 45

Citizens Bank of Winfield Winfield 3.1 21.62 0 23.21 214,739 2.9% 141,428 0.0% 1.69 4.58 3,556

Farmers & Merchants Bank Waterloo 1.0 21.44 0 22.16 78,319 3.1% 60,232 0.0% 1.31 3.65 1,005

BankSouth Dothan 1.0 20.43 0 20.33 171,836 -0.9% 136,565 0.0% 1.13 3.68 1,939

AloStar Bank of Commerce Birmingham 7.5 19.56 0 18.65 979,816 13.9% 739,241 0.0% 0.60 3.78 5,471

Citizens Bank of Fayette Fayette 17.1 18.56 0 19.47 193,513 -1.6% 153,182 0.0% 0.96 2.89 1,867

Bank of Brewton Brewton 18.4 17.17 0 17.36 55,659 5.5% 45,967 0.0% -0.10 4.50 -55

First Bank of Boaz Boaz 0.1 16.79 0 18.19 204,745 5.9% 145,278 0.0% 1.57 3.23 3,127

EvaBank Cullman 14.1 16.75 0 17.61 358,327 6.9% 269,877 11.5% 2.36 6.87 8,019

First State Bank of DeKalb County Fort Payne 8.5 16.25 0 16.56 93,940 2.6% 78,265 0.0% 0.52 4.15 487

Horizon Bank Fyffe 6.9 16.07 0 16.05 93,196 1.8% 75,347 0.0% 0.59 3.96 544

Town-Country National Bank Camden 4.3 15.99 0 16.18 102,700 2.2% 85,179 0.0% 1.87 4.97 1,891

Bank of Vernon Vernon 25.9 15.95 0 16.05 144,747 -0.4% 120,274 0.6% 0.81 4.32 1,173

Cullman Savings Bank (MHC) Cullman CULL 10.2 15.87 0 15.32 257,858 7.9% 166,251 4.7% 1.08 4.13 2,614

First State Bank of the South, Inc. Sulligent 6.3 15.76 0 16.52 97,164 0.7% 79,460 0.0% 0.83 3.95 810

First National Bank Hamilton 0.9 15.65 0 16.01 288,761 -0.1% 242,087 0.0% 1.43 4.18 4,022

Valley State Bank Russellville 5.0 15.48 0 15.85 124,198 0.1% 103,874 0.0% 0.70 2.84 862

Small Town Bank Wedowee 10.5 15.33 0 15.62 216,142 0.8% 172,353 0.0% 1.28 4.24 2,748

Traders & Farmers Bank Haleyville 9.1 15.01 0 15.01 371,479 2.1% 288,799 0.0% 0.86 3.98 3,152

Phenix-Girard Bank Phenix City 28.0 14.75 0 15.06 181,072 2.7% 136,194 4.1% 1.07 3.07 1,936

Peoples Exchange Bank of Monroe County Monroeville 4.8 14.43 0 14.38 63,112 0.8% 53,981 0.0% 0.28 4.38 175

Escambia County Bank Flomaton 10.3 14.36 0 14.88 79,281 -4.7% 67,394 0.0% 0.47 2.99 378

Farmers & Merchants Bank Piedmont 7.5 14.22 0 14.14 192,720 0.2% 161,533 0.4% 0.75 4.16 1,432

First Bank of Alabama Talladega 6.5 14.21 0 15.39 388,069 -3.6% 324,939 0.0% 1.44 3.83 5,827

Community Neighbor Bank Camden 8.8 14.16 0 14.06 107,917 -1.1% 92,506 0.0% 1.03 4.40 1,104

Farmers and Merchants Bank LaFayette 8.5 13.70 0 14.42 140,172 4.7% 113,590 0.0% 1.01 4.04 1,383

First National Bank of Brundidge Brundidge 8.4 13.62 0 14.01 93,824 -3.9% 76,385 0.0% 0.59 3.74 550

HomeTown Bank of Alabama Oneonta 10.8 13.49 0 12.91 338,035 6.7% 283,280 0.0% 1.72 4.77 5,562

First Cahawba Bank Selma 9.1 13.40 0 13.63 94,669 -1.1% 76,578 0.0% 0.84 4.19 805

Metro Bank Pell City 17.0 13.33 0 13.27 690,578 1.6% 596,486 0.0% 1.21 4.39 8,226

First National Bank of Hartford Hartford 9.5 13.30 0 13.76 120,280 -1.5% 96,664 0.0% 0.80 3.89 950

Peoples Southern Bank Clanton 1.1 13.29 0 13.51 171,788 2.5% 148,341 0.0% 1.04 3.04 1,730

Samson Banking Company, Inc. Samson 12.8 13.21 0 12.91 72,823 14.6% 63,334 0.0% 0.60 3.40 416

Brantley Bank and Trust Company Brantley 3.6 13.15 0 13.88 75,021 11.3% 64,174 0.0% 1.00 4.76 722

First National Bank of Dozier Dozier 0.0 13.13 0 14.20 37,192 -8.1% 28,180 0.0% 0.72 3.06 277

Oakworth Capital Bank Birmingham 0.0 13.12 0 13.68 395,280 19.9% 338,652 0.0% 1.02 3.59 3,743

First Bank of Linden Linden 0.0 13.05 0 14.13 79,176 0.2% 67,370 0.0% 1.03 4.68 814

Southern Bank Company Gadsden SRNN 11.2 12.92 0 13.78 100,133 2.7% 80,590 0.0% -0.17 3.26 -167

First National Bank and Trust Atmore 1.2 12.92 0 12.90 131,556 2.0% 113,376 0.0% 0.73 3.81 931

Alabama Banks, Texas Ratio <75%

Bank City

Top

Level

Ticker

Texas

Ratio

(%)

Leverage

Ratio

(%)

Tier 1

Shortfall

(to 8%)

TCE/

TA

(%)

Total

Assets

($000)

1-Year

Change in

Total Assets

(%)

Total

Deposits

($000)

Brokered

(%)

LTM

ROAA

(%)

NIM

(FTE)

(%)

LTM Net

Income

($000)


Bank of Pine Hill Pine Hill 5.9 12.87 0 13.08 24,488 -1.8% 21,279 0.0% -0.26 2.40 -64

FNB Bank Scottsboro 13.3 12.82 0 12.97 372,722 1.7% 323,699 0.0% 1.24 4.47 4,527

First US Bank Thomasville USBI 12.5 12.76 0 13.44 575,291 1.8% 485,623 2.0% 0.50 5.35 2,787

Liberty Bank Geraldine 12.6 12.69 0 12.32 125,039 12.6% 109,285 0.0% 0.77 5.41 873

Citizens State Bank Vernon 23.2 12.53 0 12.68 80,284 -4.3% 58,820 13.8% 0.48 2.27 391

Bank of Walker County Jasper 13.1 12.38 0 12.66 66,537 -5.3% 57,911 0.0% 0.42 4.01 291

Citizens Bank Greensboro 7.5 12.37 0 12.96 100,549 0.4% 82,690 0.0% 1.19 3.60 1,186

West Alabama Bank & Trust Reform 5.4 12.24 0 12.13 576,925 0.3% 468,143 0.2% 1.17 3.59 6,581

Cheaha Bank Oxford 2.0 12.22 0 12.41 196,927 3.5% 164,803 0.0% 1.76 5.07 3,406

State Bank & Trust Winfield 20.7 12.18 0 12.38 228,480 2.6% 198,997 0.0% 0.62 3.20 1,392

Pinnacle Bank Jasper PCLB 0.6 12.10 0 12.56 224,139 -3.4% 189,692 8.7% 1.05 3.77 2,396

Exchange Bank of Alabama Altoona 8.9 12.08 0 11.74 283,307 9.6% 246,202 0.0% 0.89 3.45 2,358

Marion Bank and Trust Company Marion 30.1 12.00 0 12.39 249,195 -1.2% 204,351 0.0% 1.30 3.95 3,222

Central State Bank Calera 2.0 11.97 0 11.87 230,807 12.5% 200,238 0.0% 1.28 4.47 2,765

Vantage Bank of Alabama Albertville 18.0 11.94 0 12.04 114,037 -3.6% 98,944 0.0% 1.07 4.08 1,209

HNB First Bank Headland 11.6 11.93 0 11.86 110,653 6.8% 95,590 0.0% 0.88 3.75 944

First Citizens Bank Luverne 3.9 11.89 0 12.12 233,606 2.3% 189,541 0.0% 1.31 4.07 2,996

First Federal Bank, A FSB Tuscaloosa 28.0 11.84 0 11.04 116,376 -4.7% 92,176 0.0% -0.56 2.75 -637

FirstState Bank Lineville 6.8 11.82 0 12.07 214,369 -1.0% 173,847 0.2% 1.33 4.48 2,825

Peoples Bank of Red Level Red Level 11.0 11.77 0 11.83 16,253 0.9% 14,306 0.0% 1.00 5.60 165

Reliance Bank Athens 7.7 11.70 0 11.76 173,093 7.8% 131,672 0.0% 0.82 3.37 1,337

First Partners Bank Birmingham 1.3 11.63 0 11.71 248,169 7.8% 197,935 12.5% 1.19 4.68 2,797

Citizens Bank of Valley Head Valley Head 30.8 11.58 0 11.52 26,317 -1.0% 23,249 0.0% 0.29 5.24 76

First Community Bank of Cullman Cullman SCBS 2.6 11.26 0 10.46 80,770 1.0% 68,535 0.0% 0.21 2.96 161

First Metro Bank Muscle Shoals 2.2 11.12 0 11.01 570,173 5.7% 504,606 0.0% 1.42 3.73 7,839

Security Federal Savings Bank Jasper 2.2 11.03 0 9.94 41,723 7.4% 30,419 0.0% 0.31 3.40 123

Citizens' Bank, Inc. Robertsdale 18.5 10.95 0 11.19 102,260 3.3% 90,261 0.0% 0.37 4.01 371

Merchants Bank Jackson 21.1 10.91 0 10.90 209,856 2.2% 186,502 0.0% 0.66 3.92 1,358

MidSouth Bank Dothan 9.9 10.85 0 10.71 399,532 4.9% 355,814 0.0% 0.58 3.04 2,255

Sweet Water State Bank Sweet Water 12.3 10.80 0 10.52 97,908 2.8% 84,913 0.0% 1.51 5.70 1,427

SouthFirst Bank Sylacauga SZBI 32.7 10.77 0 7.63 91,857 -1.1% 79,158 0.0% 0.38 3.40 344

Robertson Banking Company Demopolis 3.2 10.76 0 10.62 275,675 5.6% 236,622 3.9% 1.41 3.95 3,750

Southern Independent Bank Opp 13.1 10.70 0 10.78 210,184 2.1% 169,978 0.0% 0.75 3.20 1,611

Bank of Evergreen Evergreen 28.0 10.64 0 11.00 60,096 4.4% 53,252 5.6% 1.22 4.49 726

Capstone Bank Tuscaloosa 14.4 10.56 0 10.41 469,163 7.8% 405,182 12.3% 0.79 3.88 3,536

CCB Community Bank Andalusia 16.8 10.48 0 10.23 473,713 1.4% 378,654 9.3% 1.94 4.69 8,728

FNB of Central Alabama Tuscaloosa 11.5 10.45 0 10.50 258,168 9.2% 229,595 0.5% 0.38 3.40 909

Citizens Bank Enterprise 8.3 10.42 0 10.98 116,115 4.3% 103,132 0.0% 0.37 3.33 428

AmeriFirst Bank Union Springs 13.3 10.40 0 10.47 148,516 1.8% 128,351 0.0% 0.34 3.87 488

Bank City

Top

Level

Ticker

Texas

Ratio

(%)

Leverage

Ratio

(%)

Tier 1

Shortfall

(to 8%)

TCE/

TA

(%)

Total

Assets

($000)

1-Year

Change in

Total Assets

(%)

Total

Deposits

($000)

Brokered

(%)

LTM

ROAA

(%)

NIM

(FTE)

(%)

LTM Net

Income

($000)


Bank of Wedowee Wedowee 26.4 10.40 0 11.37 126,843 5.7% 107,784 0.0% 0.65 3.65 797

First Exchange Bank of Alabama Louisville 32.0 10.38 0 10.29 129,941 -2.7% 116,374 0.0% 0.76 4.13 984

PeoplesTrust Bank Hamilton 6.5 10.33 0 10.35 89,210 6.6% 78,853 0.3% 0.65 3.77 563

AuburnBank Auburn AUBN 3.6 10.31 0 10.61 834,097 5.4% 739,486 1.4% 1.04 3.23 8,414

First Jackson Bank Stevenson 10.7 10.29 0 10.34 239,617 4.9% 205,704 0.0% 0.93 3.73 2,142

CB&S Bank, Inc. Russellville 22.1 10.24 0 11.39 1,527,328 2.5% 1,236,282 0.0% 0.76 3.67 11,333

Community Spirit Bank Red Bay 12.8 10.23 0 10.32 144,244 2.5% 126,282 0.0% 0.84 4.51 1,185

First Community Bank Chatom 19.4 10.21 0 10.25 356,952 6.1% 307,988 1.6% 0.97 4.10 3,312

Regions Bank Birmingham RF 16.8 10.17 0 10.04 124,637,433 2.6% 99,645,528 3.9% 0.95 3.18 1,166,183

River Bank & Trust Prattville 9.3 10.17 0 10.03 725,308 63.0% 615,703 0.3% 0.93 3.95 4,834

Southern States Bank Anniston 9.1 10.15 0 9.74 541,731 59.2% 460,496 10.4% 0.71 4.51 3,074

Progress Bank and Trust Huntsville 7.2 10.04 0 9.78 659,809 8.9% 559,283 6.6% 0.81 3.34 5,071

PrimeSouth Bank Tallassee 13.9 9.97 0 9.98 208,183 9.4% 180,686 7.9% 0.92 3.99 1,841

First Bank Wadley 11.4 9.97 0 11.20 75,422 7.2% 66,621 0.0% 1.36 4.44 975

North Alabama Bank Hazel Green 62.2 9.93 0 11.91 94,001 -0.3% 82,499 0.0% 0.01 4.82 6

Bank of Moundville Moundville 9.9 9.91 0 10.14 89,386 -4.5% 80,187 0.0% 0.24 3.08 214

Bank of York York 0.6 9.80 0 11.01 100,598 -4.5% 76,270 0.0% 0.94 2.84 969

Traditions Bank Cullman 16.0 9.78 0 9.75 305,995 3.1% 272,397 7.5% 1.09 5.72 3,263

Peoples Bank of Alabama Cullman 17.7 9.75 0 9.38 655,748 4.4% 554,430 3.1% 1.32 4.40 8,401

SouthPoint Bank Birmingham 11.4 9.69 0 9.55 238,857 14.2% 191,205 3.8% 0.91 3.96 2,044

First Southern State Bank Stevenson 2.7 9.64 0 9.82 374,330 2.1% 332,764 0.0% 0.92 3.61 3,358

United Bank Atmore UBAB 15.9 9.52 0 9.68 550,821 8.7% 494,468 0.2% 0.60 3.60 3,164

Merchants Bank of Alabama Cullman 24.5 9.50 0 9.40 263,700 3.2% 237,501 0.0% 0.42 3.71 1,070

Bank Independent Sheffield 12.8 9.45 0 8.62 1,241,642 5.6% 1,076,932 0.0% 0.84 5.48 10,115

First Financial Bank Bessemer 41.1 9.43 0 9.58 167,867 -5.2% 134,028 0.0% 0.30 2.91 501

Citizens Bank & Trust Guntersville CBTH 11.4 9.41 0 9.57 385,438 6.1% 324,312 2.2% 0.88 4.23 3,277

First Southern Bank Florence 11.1 9.26 0 9.12 214,272 2.3% 192,444 0.0% 0.72 3.94 1,499

Friend Bank Slocomb 18.7 9.26 0 9.20 125,808 3.9% 113,751 0.0% 0.99 4.35 1,212

Troy Bank & Trust Company Troy 33.9 9.19 0 9.98 850,085 1.3% 708,455 0.0% 0.72 3.68 6,056

First Bank of the South Rainsville 24.8 9.17 0 9.38 83,563 -4.6% 74,629 0.0% 0.07 3.78 61

Premier Bank of the South Cullman 12.2 9.17 0 9.14 168,817 7.1% 152,290 3.4% 0.98 4.32 1,549

Peoples Independent Bank Boaz 11.3 9.15 0 9.98 202,859 4.4% 182,114 0.0% 1.15 4.37 2,283

Trinity Bank Dothan 10.9 9.14 0 9.02 131,669 18.8% 119,263 0.0% 0.48 4.16 580

First Fidelity Bank Fort Payne 8.6 9.02 0 9.02 91,509 2.5% 82,988 0.0% 0.37 2.93 333

NobleBank & Trust Anniston 9.3 8.94 0 8.75 217,376 16.0% 193,369 0.0% 0.54 4.03 1,076

Bryant Bank Tuscaloosa 4.0 8.93 0 8.83 1,451,577 10.5% 1,196,546 0.3% 1.20 3.29 16,636

ServisFirst Bank Birmingham SFBS 2.1 8.85 0 8.68 5,377,849 22.4% 4,386,182 0.0% 1.45 3.74 69,997

Compass Bank Birmingham BBVA 12.7 8.75 0 8.63 87,629,324 7.2% 69,214,097 9.3% 0.47 2.75 395,865

Peoples Bank of Greensboro Greensboro 6.2 8.69 0 9.14 96,695 5.2% 84,116 1.8% 1.09 3.62 1,012

Bank City

Top

Level

Ticker

Texas

Ratio

(%)

Leverage

Ratio

(%)

Tier 1

Shortfall

(to 8%)

TCE/

TA

(%)

Total

Assets

($000)

1-Year

Change in

Total Assets

(%)

Total

Deposits

($000)

Brokered

(%)

LTM

ROAA

(%)

NIM

(FTE)

(%)

LTM Net

Income

($000)


Merchants & Farmers Bank of Greene County Eutaw 7.0 8.69 0 9.29 68,214 5.0% 59,671 4.8% -0.51 4.03 -323

National Bank of Commerce Birmingham NCOM 4.4 8.56 0 8.96 1,733,554 43.9% 1,505,877 2.3% 0.82 4.14 12,044

First Community Bank of Central Alabama Wetumpka 10.0 8.18 0 8.22 347,505 2.6% 315,911 1.8% 1.83 4.03 6,103

Commercial Bank of Ozark Ozark 24.3 7.91 75 8.24 88,189 4.2% 79,689 0.0% 0.29 3.65 253

Commonwealth National Bank Mobile 58.5 6.80 688 7.15 57,869 0.5% 53,424 0.0% -0.21 3.80 -123

Bank City

Top

Level

Ticker

Texas

Ratio

(%)

Leverage

Ratio

(%)

Tier 1

Shortfall

(to 8%)

TCE/

TA

(%)

Total

Assets

($000)

1-Year

Change in

Total Assets

(%)

Total

Deposits

($000)

Brokered

(%)

LTM

ROAA

(%)

NIM

(FTE)

(%)

LTM Net

Income

($000)

SunSouth Bank Dothan 93.3 4.94 4,656 5.28 149,345 -2.0% 130,274 7.2% -0.55 3.25 -853

Covenant Bank Leeds 89.2 5.56 1,872 6.01 71,278 -6.9% 61,925 0.0% -2.74 3.22 -2,077

Union State Bank Pell City 77.4 6.35 3,776 5.81 233,250 1.6% 218,408 0.0% -0.11 3.35 -245

Community Bank & Trust - Alabama Union Springs 93.7 6.60 735 6.54 50,966 -8.5% 47,403 0.0% 0.23 3.57 118

Alamerica Bank Birmingham 117.3 15.85 0 16.44 34,170 -7.1% 28,435 4.3% -0.42 4.75 -149

Alabama Banks, Texas Ratio >75%

Bank City

Top

Level

Ticker

Texas

Ratio

(%)

Leverage

Ratio

(%)

Tier 1

Shortfall

(to 8%)

TCE/

TA

(%)

Total

Assets

($000)

1-Year

Change in

Total Assets

(%)

Total

Deposits

($000)

Brokered

(%)

LTM

ROAA

(%)

NIM

(FTE)

(%)

LTM Net

Income

($000)

First National Bank of Izard County Calico Rock 3.4 33.21 0 33.24 160,333 1.0% 104,832 0.0% 1.36 4.41 2,182

Bank of Delight Delight 2.6 19.30 0 18.88 95,047 13.6% 71,960 7.4% 1.30 3.72 1,185

Logan County Bank Scranton 6.6 18.84 0 18.76 80,275 1.0% 65,123 0.0% 0.73 3.10 585

Farmers Bank Greenwood 9.1 18.27 0 18.30 202,343 1.6% 163,530 0.0% 0.61 4.05 1,213

DeWitt Bank and Trust Company De Witt 5.8 18.21 0 18.65 118,776 -12.7% 89,591 12.2% 1.25 3.36 1,566

Warren Bank and Trust Company Warren 3.4 16.37 0 17.33 135,313 -3.3% 106,437 0.0% 0.89 3.01 1,229

First Arkansas Bank and Trust Jacksonville 23.9 15.36 0 15.46 670,571 -0.1% 527,771 5.8% 1.09 4.59 7,458

First Security Bank Searcy 2.6 14.93 0 15.92 4,983,272 5.4% 3,595,207 0.8% 2.26 5.22 106,710

Helena National Bank Helena 3.3 14.74 0 14.69 187,882 -0.8% 160,055 0.3% 0.54 3.48 1,031

Today's Bank Huntsville 30.3 14.70 0 14.63 115,885 12.5% 90,467 0.0% 1.21 5.58 1,340

Stone Bank Mountain View 28.4 14.65 0 14.56 106,082 24.2% 78,386 0.0% 1.90 5.45 1,828

United Bank Springdale 20.8 14.60 0 14.30 158,296 13.3% 121,841 4.5% 0.99 4.14 1,467

Bank of Star City Star City 2.6 14.59 0 14.70 92,812 -0.3% 77,965 0.0% 1.04 4.62 968

McGehee Bank McGehee 1.4 14.55 0 14.57 118,772 5.4% 97,221 0.0% 1.68 3.97 1,945

Peoples Bank Sheridan 0.8 14.18 0 13.94 135,839 11.7% 116,402 0.3% 1.37 3.67 1,776

Central Bank Little Rock 28.5 14.18 0 14.98 113,020 9.2% 92,831 0.0% 0.85 3.47 933

Bank of the Ozarks Little Rock OZRK 3.7 13.82 0 12.88 11,416,826 37.6% 9,638,668 17.0% 2.19 5.12 204,523

Community State Bank Bradley 0.0 13.75 0 14.06 16,948 -6.8% 13,961 0.0% 0.44 3.42 77

Relyance Bank, National Association Pine Bluff 7.1 13.61 0 13.27 587,432 2.5% 487,798 9.5% 0.93 4.15 5,229

Bank of Bearden Bearden 2.0 13.57 0 12.90 46,690 -2.6% 40,655 0.0% 1.32 3.84 578

First State Bank Crossett 19.8 13.39 0 14.18 33,819 -8.7% 28,812 0.0% 0.56 4.48 199

Bank of Gravett Gravette 13.0 13.28 0 13.47 124,337 1.6% 107,041 0.0% -0.23 4.15 -282

Chambers Bank Danville 41.3 12.66 0 12.72 662,345 -3.9% 549,808 0.0% 1.15 4.16 7,817

Bank of Prescott Prescott 26.4 12.57 0 13.08 83,822 2.7% 67,915 0.0% 0.90 4.14 740

Bank of Lake Village Lake Village 12.6 12.53 0 11.15 63,457 0.3% 56,209 0.0% 0.78 4.00 470

Citizens Bank & Trust Company Van Buren 5.4 12.51 0 12.48 375,297 1.7% 325,156 1.5% 1.66 4.39 6,196

Bank of England England 16.9 12.48 0 11.70 340,668 -6.2% 221,171 1.8% 2.09 3.73 7,186

Little River Bank Lepanto 17.2 12.41 0 12.51 35,989 -5.0% 31,371 0.0% -0.22 3.55 -80

Signature Bank of Arkansas Fayetteville 25.1 12.26 0 12.19 502,006 0.7% 405,773 6.0% 0.71 4.12 3,523

First National Bank of Fort Smith Fort Smith 14.1 12.12 0 11.77 1,255,160 3.9% 1,045,805 1.1% 1.40 3.82 17,031

Community First Bank Harrison 22.6 12.04 0 11.92 475,208 0.1% 394,947 0.0% 1.41 4.66 6,587

First Community Bank of Eastern Arkansas Marion 18.1 12.01 0 12.84 148,274 -1.5% 128,061 25.4% 0.94 3.92 1,413

First Financial Bank El Dorado 13.7 11.95 0 11.95 869,056 -4.7% 640,425 8.1% 3.09 4.73 26,868

Cross County Bank Wynne 20.7 11.83 0 11.84 229,878 9.3% 197,111 0.0% 0.96 4.62 2,199

Legacy National Bank Springdale 15.5 11.78 0 11.30 378,163 13.5% 313,419 0.0% 0.80 3.81 2,739

Smackover State Bank Smackover 4.5 11.73 0 12.18 188,350 -3.8% 165,165 0.0% 0.92 3.11 1,765

Bodcaw Bank Stamps 13.8 11.65 0 11.90 76,298 1.7% 66,908 0.0% 0.97 3.34 737

Eagle Bank and Trust Company Little Rock 6.9 11.42 0 11.81 392,849 2.7% 315,107 7.1% 0.58 3.40 2,224

RiverBank Pocahontas 5.1 11.36 0 10.66 64,516 37.5% 54,844 0.0% 1.25 4.29 683

Arkansas Banks, Texas Ratio <75%

Bank City

Top

Level

Ticker

Texas

Ratio

(%)

Leverage

Ratio

(%)

Tier 1

Shortfall

(to 8%)

TCE/

TA

(%)

Total

Assets

($000)

1-Year

Change in

Total Assets

(%)

Total

Deposits

($000)

Brokered

(%)

LTM

ROAA

(%)

NIM

(FTE)

(%)

LTM Net

Income

($000)


Farmers Bank Hamburg 1.8 11.36 0 9.61 42,614 -2.0% 38,457 0.0% -0.27 2.68 -117

Petit Jean State Bank Morrilton 8.4 11.35 0 11.26 190,958 5.1% 162,050 0.0% 1.10 3.44 2,050

First NaturalState Bank McGehee 15.5 11.32 0 11.65 52,922 -4.3% 46,646 0.0% 0.47 3.26 251

First National Bank of Crossett Crossett 10.5 11.28 0 11.14 143,747 0.6% 127,188 0.0% 1.01 4.23 1,428

River Town Bank Dardanelle 19.1 11.26 0 12.10 142,880 -4.6% 122,238 0.0% 0.24 3.70 355

Gateway Bank Rison 6.6 11.20 0 10.48 52,670 53.9% 47,055 0.0% 0.42 5.04 176

First State Bank Russellville 4.9 11.11 0 11.10 229,239 9.2% 192,250 5.6% 1.07 3.87 2,380

First National Bank at Paris Paris 3.8 11.03 0 10.91 134,335 1.5% 114,978 0.0% 1.79 4.69 2,386

Horatio State Bank Horatio 4.7 10.96 0 10.99 168,095 11.2% 149,070 6.1% 1.39 4.40 2,220

Merchants and Farmers Bank Dumas 5.0 10.95 0 11.12 112,509 -1.4% 98,793 0.0% 0.79 4.40 913

Union Bank of Mena Mena 3.8 10.92 0 10.75 225,973 5.8% 198,999 0.0% 1.96 4.45 4,248

FBT Bank & Mortgage Fordyce 2.7 10.87 0 10.63 150,565 10.1% 119,610 0.0% 1.17 4.45 1,675

Merchants & Planters Bank Clarendon 3.9 10.86 0 11.15 47,127 -3.9% 41,692 0.0% 0.69 3.03 327

First National Bank of North Arkansas Berryville 12.3 10.80 0 10.75 190,892 2.2% 168,600 6.6% 1.16 5.07 2,189

Bank of Little Rock Little Rock 24.5 10.74 0 10.63 202,040 -0.8% 179,271 1.7% 0.73 4.13 1,464

First National Bank of Lawrence County at Walnut RidgeWalnut Ridge 3.2 10.73 0 10.06 206,645 9.4% 184,980 2.2% 0.57 4.02 1,084

First National Bank Paragould 3.5 10.71 0 10.64 1,033,636 20.0% 835,419 0.0% 1.12 3.90 10,982

Peoples Bank Magnolia 9.8 10.69 0 11.30 151,604 5.2% 91,092 37.7% 1.64 4.06 2,456

Integrity First Bank, National Association Mountain Home 0.5 10.68 0 10.40 441,960 5.3% 372,185 0.0% 0.82 3.91 3,483

Fidelity National Bank West Memphis 5.0 10.67 0 10.83 391,933 1.0% 348,735 0.0% 1.23 2.99 4,733

HomeBank of Arkansas Portland 43.3 10.64 0 10.68 75,398 0.6% 67,109 0.0% 0.60 4.60 449

Bank of Salem Salem 16.9 10.59 0 10.42 131,092 0.8% 114,273 3.8% 1.19 5.08 1,540

Cornerstone Bank Eureka Springs 25.6 10.57 0 10.42 194,658 15.0% 155,125 0.2% 1.65 4.73 3,002

First National Bank of Wynne Wynne 6.8 10.56 0 10.76 282,060 0.0% 240,417 0.0% 1.08 3.82 3,055

First State Bank of Warren Warren 4.4 10.53 0 10.48 113,629 10.1% 101,540 0.0% 0.56 3.27 610

First Delta Bank Marked Tree 4.6 10.48 0 10.75 56,872 -1.5% 50,516 0.0% 0.80 3.37 480

FNBC Bank Ash Flat 13.5 10.37 0 8.71 375,588 4.4% 267,245 0.3% 0.83 3.96 3,064

First Service Bank Greenbrier 14.5 10.31 0 10.03 271,799 5.5% 224,244 20.8% 1.07 4.83 2,756

Bank of McCrory McCrory 9.2 10.31 0 10.97 75,790 -11.4% 67,428 0.0% 0.68 2.92 567

Bear State Bank, National Association Little Rock BSF 12.4 10.26 0 10.21 1,918,917 30.1% 1,612,674 1.4% 0.82 3.91 12,858

Riverwind Bank Augusta 11.3 10.23 0 10.21 90,772 6.5% 79,345 2.0% 0.73 4.42 651

Farmers & Merchants Bank Stuttgart 10.9 10.16 0 9.85 1,003,382 49.7% 821,028 0.8% 0.96 3.87 8,203

Arkansas County Bank De Witt 23.5 10.12 0 10.68 171,530 -2.3% 135,181 1.2% 1.02 4.06 1,811

Commercial Bank & Trust Company Monticello 8.8 10.05 0 10.09 192,627 1.3% 172,809 0.0% 1.58 4.13 3,019

Diamond Bank Murfreesboro 7.7 10.01 0 10.85 494,617 7.0% 422,576 0.3% 1.41 4.03 6,785

First National Bank of Eastern Arkansas Forrest City 2.1 9.97 0 10.02 388,026 2.8% 346,974 0.0% 0.73 2.84 2,770

Malvern National Bank Malvern 12.4 9.95 0 9.84 511,553 7.8% 391,977 0.0% 0.33 3.34 1,607

Simmons Bank Pine Bluff SFNC 18.8 9.93 0 9.50 7,518,455 61.8% 6,169,177 3.9% 1.48 5.08 104,611

First State Bank Lonoke 53.4 9.89 0 9.96 262,782 3.7% 235,529 0.0% -0.45 2.96 -1,142

Bank City

Top

Level

Ticker

Texas

Ratio

(%)

Leverage

Ratio

(%)

Tier 1

Shortfall

(to 8%)

TCE/

TA

(%)

Total

Assets

($000)

1-Year

Change in

Total Assets

(%)

Total

Deposits

($000)

Brokered

(%)

LTM

ROAA

(%)

NIM

(FTE)

(%)

LTM Net

Income

($000)


Union Bank & Trust Company Monticello 42.1 9.67 0 9.63 197,074 0.1% 159,997 2.5% 1.49 3.98 2,919

Merchants & Planters Bank Newport 10.3 9.66 0 9.63 245,371 -2.6% 214,964 0.6% 0.72 3.85 1,786

Southern Bancorp Bank Arkadelphia 17.5 9.62 0 9.73 1,144,623 -1.8% 925,301 0.3% 0.81 4.39 9,387

Farmers Bank and Trust Company Blytheville 17.6 9.56 0 9.35 462,081 10.4% 395,818 2.2% 2.18 4.44 9,608

Capital Bank Little Rock 21.4 9.56 0 10.96 145,387 -5.8% 98,758 33.3% 0.39 2.71 565

Twin Lakes Community Bank Flippin 13.2 9.56 0 9.24 122,466 18.4% 102,441 1.8% 1.24 3.85 1,400

First State Bank of DeQueen De Queen 2.9 9.12 0 8.82 222,012 4.1% 190,817 24.8% 1.63 4.39 3,470

Centennial Bank Conway HOMB 10.3 9.09 0 9.03 9,370,968 24.9% 6,637,497 5.1% 1.78 4.92 154,190

Bank of Cave City Cave City 20.3 9.04 0 8.91 99,984 2.5% 86,903 6.4% 1.18 4.28 1,162

Anstaff Bank N.A. Green Forest 8.1 9.01 0 8.83 437,678 3.3% 382,426 1.9% 1.25 3.62 5,365

Generations Bank Camden 17.8 8.97 0 8.91 385,785 10.0% 332,924 0.5% 0.92 4.21 3,415

Farmers Bank & Trust Company Magnolia 18.7 8.95 0 9.23 1,264,214 2.0% 1,120,624 0.3% 1.62 4.47 20,163

Riverside Bank Sparkman 4.6 8.74 0 8.71 60,141 4.3% 51,693 0.0% 2.68 5.21 1,606

First Community Bank Batesville 22.4 8.52 0 8.49 1,075,632 12.1% 859,639 0.4% 0.96 3.95 9,793

Security Bank Stephens 6.3 8.51 0 7.87 59,838 7.2% 53,388 10.8% 0.79 4.20 468

Piggott State Bank Piggott 0.4 8.48 0 9.96 83,798 4.7% 74,906 0.0% 1.31 3.67 1,069

First Western Bank Booneville 24.4 8.08 0 8.12 343,716 6.0% 303,360 9.1% 0.56 4.10 1,889

Priority Bank Fayetteville 35.5 8.06 0 8.03 83,827 6.5% 53,021 8.9% 1.70 4.31 1,362

Arvest Bank Fayetteville 14.0 7.96 6,638 8.26 16,419,361 3.8% 13,904,862 0.3% 0.44 2.92 69,694

Citizens Bank Batesville 14.3 7.65 2,492 7.68 736,213 29.5% 574,465 0.6% 0.74 3.86 4,523

Forrest City Bank, N.A. Forrest City FOCF 23.3 7.29 332 9.57 48,866 -10.1% 44,036 0.0% -0.28 2.79 -137

One Bank & Trust, National Association Little Rock 61.5 5.24 8,943 5.16 324,365 -2.5% 274,024 15.5% 1.02 3.07 3,352

Bank City

Top

Level

Ticker

Texas

Ratio

(%)

Leverage

Ratio

(%)

Tier 1

Shortfall

(to 8%)

TCE/

TA

(%)

Total

Assets

($000)

1-Year

Change in

Total Assets

(%)

Total

Deposits

($000)

Brokered

(%)

LTM

ROAA

(%)

NIM

(FTE)

(%)

LTM Net

Income

($000)

Allied Bank Mulberry 277.2 6.49 1,148 6.87 72,378 -32.5% 67,146 0.0% -3.56 3.25 -3,118

Heartland Bank Little Rock 118.2 10.44 0 10.84 231,392 -4.4% 202,633 4.9% -1.08 4.95 -2,617

Pinnacle Bank Rogers 151.5 10.81 0 10.53 95,237 8.0% 77,684 0.0% 0.24 2.48 210

Arkansas Banks, Texas Ratio >75%

Bank City

Top

Level

Ticker

Texas

Ratio

(%)

Leverage

Ratio

(%)

Tier 1

Shortfall

(to 8%)

TCE/

TA

(%)

Total

Assets

($000)

1-Year

Change in

Total Assets

(%)

Total

Deposits

($000)

Brokered

(%)

LTM

ROAA

(%)

NIM

(FTE)

(%)

LTM Net

Income

($000)

Bank of the South Pensacola 0.0 20.17 0 19.07 76,343 4.8% 61,766 0.0% -0.06 1.95 -44

Home Federal Bank of Hollywood Hallandale Beach 25.1 18.18 0 15.95 41,424 -1.1% 29,169 0.0% -3.03 4.03 -1,194

Warrington Bank Pensacola 0.0 17.89 0 18.07 85,133 -2.2% 69,688 0.0% 0.33 2.23 289

TransCapital Bank Sunrise 66.4 16.82 0 16.28 175,790 3.5% 146,003 0.0% 1.82 3.66 3,171

Bank of Pensacola Pensacola 0.0 16.13 0 15.31 73,210 6.3% 61,986 0.0% -0.30 2.29 -202

Coconut Grove Bank Miami 4.9 15.80 0 14.59 695,285 10.5% 577,260 0.0% 0.46 2.47 2,919

First National Bank of Mount Dora Mount Dora FLBD 23.1 14.72 0 15.29 209,799 1.3% 175,106 0.0% 0.76 3.73 1,571

Florida Business Bank Melbourne 1.8 14.71 0 14.78 109,347 -0.9% 92,608 0.0% 0.89 3.69 948

Plus International Bank Miami 0.0 14.31 0 14.42 102,276 -18.7% 86,499 44.5% 0.05 3.61 58

Sunstate Bank Miami 11.7 14.21 0 14.95 156,048 -12.8% 132,275 0.0% 0.24 3.31 401

First National Bank Northwest Florida Panama City 5.0 13.94 0 14.13 111,953 0.6% 95,934 0.0% 0.41 3.17 465

Sunrise Bank Cocoa Beach 1.9 13.92 0 12.54 146,922 26.8% 124,982 11.1% 0.78 3.87 958

One South Bank Chipley 30.3 13.73 0 13.75 41,395 5.1% 35,639 3.5% 0.63 4.24 270

Landmark Bank, National Association Fort Lauderdale 44.7 13.62 0 12.83 407,344 11.9% 325,190 0.6% 1.10 4.32 4,179

Drummond Community Bank Chiefland 7.6 13.46 0 13.37 415,905 6.7% 348,453 0.4% 1.36 4.94 5,267

Axiom Bank Maitland 23.0 13.44 0 14.33 666,241 0.2% 496,614 8.7% 0.57 3.52 3,920

Hillsboro Bank Plant City 1.7 13.43 0 14.07 119,466 -0.3% 101,397 0.0% 1.09 3.80 1,263

Peoples Bank of Graceville Graceville 10.4 13.37 0 13.73 87,840 0.9% 75,537 0.0% 1.34 3.11 1,119

First Green Bank Orlando 3.2 13.21 0 12.63 411,176 22.8% 347,078 0.0% 0.80 4.32 3,004

Surety Bank Deland 45.4 13.05 0 13.92 91,656 -5.0% 78,697 0.0% 1.50 4.31 1,443

City National Bank of Florida Miami BCI 3.2 12.85 0 12.47 7,103,818 27.4% 4,768,962 5.3% 0.78 3.05 48,339

FirstAtlantic Bank Jacksonville FFHD 5.1 12.63 0 12.50 424,665 8.2% 354,381 0.4% 0.83 4.14 3,434

First Federal Bank of Florida Lake City 11.4 12.57 0 12.58 1,185,124 2.5% 924,916 7.8% 1.09 3.77 12,656

Pacific National Bank Miami 5.1 12.55 0 12.31 447,685 18.0% 320,103 0.0% 0.50 3.37 2,093

Intercontinental Bank West Miami 0.4 12.51 0 13.15 147,525 -8.2% 127,235 0.0% 0.38 2.00 627

Helm Bank USA Miami 18.3 12.49 0 12.71 739,214 -1.5% 631,667 0.0% 0.45 3.84 3,292

American National Bank Oakland Park 4.3 12.35 0 12.32 289,406 8.2% 248,561 3.4% 0.87 3.71 2,419

FNBT Bank Fort Walton Beach 14.6 11.98 0 11.82 382,890 2.8% 316,283 0.0% 0.72 2.75 2,740

Palm Beach Community Bank West Palm Beach 1.3 11.96 0 11.96 326,041 3.6% 264,297 0.0% 1.81 4.27 5,793

First State Bank of Arcadia Arcadia 33.9 11.92 0 11.76 144,455 4.3% 124,980 0.0% 1.36 3.96 1,910

Commerce National Bank & Trust Winter Park 25.7 11.90 0 12.04 83,897 9.8% 72,364 0.0% 1.30 3.81 1,059

Summit Bank, National Association Panama City 9.1 11.85 0 11.68 361,063 2.7% 291,912 3.9% 0.75 3.94 2,706

Sunshine Savings Bank Tallahassee SSNF 23.3 11.78 0 12.74 162,191 5.2% 138,556 0.0% 0.03 4.09 42

CBC National Bank Fernandina Beach CBCO 20.9 11.74 0 10.70 474,384 -7.5% 320,037 22.5% 1.45 4.03 6,521

Paradise Bank Boca Raton 0.8 11.68 0 11.37 309,542 -6.0% 267,480 0.0% 2.13 4.25 6,564

TotalBank Miami POP 8.4 11.64 0 11.24 2,869,334 6.6% 2,043,045 13.4% 0.60 3.01 16,509

Community State Bank Starke 13.6 11.63 0 9.58 85,900 30.2% 77,442 0.0% 0.33 4.26 226

First National Bank of Wauchula Wauchula 35.1 11.57 0 11.23 71,714 -3.9% 61,860 0.0% 0.32 4.23 235

GulfShore Bank Tampa 5.1 11.51 0 11.54 301,505 4.2% 250,905 6.7% 0.40 3.31 1,167

Flagship Community Bank Clearwater 24.4 11.40 0 12.42 104,698 4.5% 91,348 11.1% 0.35 3.70 369

Harbor Community Bank Indiantown 19.7 11.34 0 11.02 1,753,227 40.6% 1,444,173 0.8% 0.41 3.85 6,299

Florida Banks, Texas Ratio <75%

Bank City

Top

Level

Ticker

Texas

Ratio

(%)

Leverage

Ratio

(%)

Tier 1

Shortfall

(to 8%)

TCE/

TA

(%)

Total

Assets

($000)

1-Year

Change in

Total Assets

(%)

Total

Deposits

($000)

Brokered

(%)

LTM

ROAA

(%)

NIM

(FTE)

(%)

LTM Net

Income

($000)


Sunshine Bank Plant City SBCP 2.2 11.32 0 11.25 522,593 111.2% 426,905 10.2% -0.26 3.59 -1,096

Regent Bank Davie RGTB 62.0 11.25 0 11.09 357,948 2.4% 300,800 3.1% 1.10 3.97 3,830

First Florida Bank Destin 2.6 11.18 0 10.85 319,321 8.9% 279,132 0.0% 0.89 3.50 2,761

C1 Bank Saint Petersburg BNK 39.9 11.13 0 10.93 1,785,610 11.8% 1,352,530 7.4% 1.12 4.66 18,987

Floridian Community Bank, Inc. Davie 11.0 11.06 0 10.71 390,349 -2.6% 295,569 2.1% 0.03 3.57 102

Gateway Bank of Florida Daytona Beach 7.0 11.05 0 10.41 268,465 18.8% 226,263 8.2% 0.75 3.26 1,737

Wauchula State Bank Wauchula 37.3 10.97 0 11.00 633,474 4.9% 548,643 0.1% 1.98 4.47 12,142

First National Bank of Pasco Dade City 13.2 10.81 0 11.58 142,612 1.2% 120,917 0.0% 0.37 4.00 501

Columbia Bank Lake City 55.0 10.71 0 10.58 187,804 6.1% 167,193 0.0% 0.97 3.62 1,743

First Home Bank Seminole FHBI 8.2 10.65 0 9.61 115,751 27.1% 99,374 0.0% 2.88 4.32 2,788

Ocean Bank Miami 19.3 10.62 0 12.70 3,292,375 1.7% 2,819,661 0.0% 0.57 3.88 18,694

Nature Coast Bank Hernando NCBF 14.5 10.50 0 12.22 64,620 15.2% 56,647 0.0% 0.41 4.06 241

First Colony Bank of Florida Maitland 6.0 10.50 0 9.89 202,592 18.0% 182,117 6.4% 1.75 3.82 3,117

Seacoast National Bank Stuart SBCF 10.5 10.41 0 10.14 3,998,809 23.7% 3,223,400 1.5% 0.61 3.84 20,809

Peoples National Bank Niceville 24.6 10.38 0 10.62 101,991 -7.5% 91,048 0.0% -0.49 3.58 -526

Preferred Community Bank Fort Myers 7.0 10.38 0 11.37 110,273 17.7% 95,643 0.8% 1.25 4.25 1,234

Cornerstone Community Bank Saint Petersburg CZRT 19.3 10.31 0 11.53 247,621 4.0% 207,289 0.0% 0.77 3.92 1,865

Professional Bank Coral Gables PFHD 1.4 10.27 0 8.82 360,315 35.5% 307,488 0.0% 0.42 3.61 1,267

FirstCity Bank of Commerce Palm Beach Gardens 26.0 10.24 0 8.57 71,381 6.8% 62,001 3.6% -0.08 3.48 -59

Intercredit Bank, NA Miami 10.5 10.22 0 10.35 342,438 7.5% 265,387 0.0% 1.38 3.46 4,696

Stonegate Bank Pompano Beach SGBK 5.5 10.21 0 9.86 2,455,843 8.8% 2,090,795 16.2% 1.15 4.14 26,835

Florida Bank of Commerce Orlando 3.5 10.16 0 9.92 302,200 11.5% 265,025 0.0% 0.82 4.13 2,349

Jefferson Bank of Florida Oldsmar JFBF 1.5 10.08 0 9.71 270,335 16.6% 229,925 5.0% 0.61 3.44 1,497

Central Bank Tampa 9.5 10.07 0 9.83 122,530 20.8% 99,368 7.7% 0.76 3.48 838

Raymond James Bank, National Association Saint Petersburg RJF 4.3 10.06 0 9.92 15,993,552 16.2% 13,678,847 2.5% 1.32 3.07 191,179

Anchor Commercial Bank Juno Beach 22.9 10.05 0 10.69 108,408 4.1% 96,611 12.8% 0.49 3.79 536

BankUnited, National Association Miami Lakes BKU 3.8 10.03 0 9.78 24,701,857 24.6% 17,655,613 7.5% 1.20 3.94 267,604

Capital City Bank Tallahassee CCBG 24.6 9.97 0 9.01 2,770,591 3.6% 2,311,136 0.0% 0.42 3.36 11,186

Terrabank, N.A. Miami 6.0 9.94 0 10.02 321,814 8.9% 282,291 8.2% 0.68 4.07 2,089

International Finance Bank Miami 28.4 9.91 0 12.53 332,732 2.8% 289,385 0.0% -0.24 3.83 -768

Citizens Bank of Florida Oviedo 15.7 9.88 0 9.57 242,225 2.0% 214,841 5.0% 0.39 3.94 919

Flagler Bank West Palm Beach 24.1 9.85 0 9.55 215,421 23.6% 184,702 0.0% 1.89 3.95 3,669

Marquis Bank Coral Gables 7.8 9.79 0 9.53 384,116 26.1% 319,868 5.0% 0.81 3.56 2,701

Apollo Bank Miami 6.5 9.76 0 9.51 547,561 11.5% 488,974 0.0% 0.61 3.96 3,097

Eastern National Bank Miami 6.3 9.75 0 10.38 403,581 0.5% 331,100 0.0% 0.29 3.51 1,181

Legacy Bank of Florida Boca Raton 25.1 9.68 0 12.06 284,253 2.9% 237,336 0.0% 0.59 3.62 1,695

Mainstreet Community Bank of Florida Deland 14.1 9.65 0 9.62 276,887 9.5% 249,219 3.4% 0.87 3.99 2,312

Executive National Bank Miami 12.2 9.63 0 9.51 366,258 8.1% 310,644 6.7% 0.56 3.80 1,930

First Bank of the Palm Beaches West Palm Beach 4.1 9.60 0 10.42 136,109 22.9% 109,277 0.0% 1.47 4.30 1,894

United Southern Bank Umatilla 27.2 9.58 0 9.30 466,747 8.7% 419,512 0.0% 0.63 3.47 2,788

Patriot Bank Trinity 16.0 9.55 0 11.87 148,027 8.5% 128,994 0.0% 0.53 3.91 730

Bank City

Top

Level

Ticker

Texas

Ratio

(%)

Leverage

Ratio

(%)

Tier 1

Shortfall

(to 8%)

TCE/

TA

(%)

Total

Assets

($000)

1-Year

Change in

Total Assets

(%)

Total

Deposits

($000)

Brokered

(%)

LTM

ROAA

(%)

NIM

(FTE)

(%)

LTM Net

Income

($000)


Gateway Bank of Southwest Florida Sarasota 0.0 9.54 0 9.24 279,593 17.3% 252,230 10.0% 0.85 3.80 2,162

Florida Community Bank, National Association Weston FCB 9.8 9.54 0 9.40 7,683,853 26.7% 5,910,655 8.3% 1.35 3.57 91,382

Fidelity Bank of Florida, National Association Merritt Island 51.0 9.52 0 13.91 232,808 0.3% 149,935 0.0% 0.37 3.57 843

Community Bank of the South Merritt Island 11.2 9.52 0 9.60 135,100 -2.0% 113,187 0.0% 0.23 2.34 309

Platinum Bank Brandon 7.8 9.46 0 8.96 586,224 7.4% 495,090 6.3% 1.16 3.75 6,348

Heartland National Bank Sebring 9.7 9.46 0 9.28 342,275 5.7% 306,027 0.0% 0.77 3.12 2,544

NorthStar Bank Tampa 6.0 9.38 0 10.14 211,184 5.3% 153,843 0.0% 0.14 3.66 282

Farmers & Merchants Bank Monticello 15.8 9.37 0 9.39 442,864 1.9% 376,949 0.0% 1.22 3.74 5,309

Prime Meridian Bank Tallahassee PMHG 0.5 9.36 0 9.22 263,929 19.8% 238,878 0.0% 0.80 3.90 1,910

Insignia Bank Sarasota 8.0 9.31 0 8.97 255,469 32.5% 215,243 0.8% 0.48 3.50 1,018

Banesco USA Coral Gables 14.7 9.27 0 9.40 954,827 6.9% 796,942 7.9% 0.32 3.81 2,996

First Citrus Bank Tampa FCIT 31.1 9.26 0 8.95 282,186 12.1% 226,020 13.0% 0.40 4.05 1,042

USAmeriBank Clearwater USAB 14.8 9.24 0 8.94 3,764,890 15.5% 3,232,215 7.1% 1.10 3.65 38,824

Atlantic Coast Bank Jacksonville ACFC 30.5 9.20 0 8.89 891,789 19.6% 554,018 7.5% 0.77 3.05 6,212

Oculina Bank Fort Pierce 8.5 9.20 0 8.83 255,845 30.8% 221,091 4.0% 0.77 3.50 1,703

Sabal Palm Bank Sarasota 0.0 9.19 0 11.55 135,702 10.5% 119,418 1.5% 0.37 3.50 481

Florida Capital Bank, N.A. Jacksonville 38.7 9.12 0 7.46 386,502 1.2% 267,997 0.0% 0.24 3.11 806

Peoples State Bank Lake City 69.0 8.97 0 9.07 77,876 10.7% 70,574 0.0% 0.32 4.05 237

FineMark National Bank & Trust Fort Myers 5.5 8.89 0 8.58 1,206,996 29.1% 1,013,361 3.2% 0.65 3.01 6,831

Marine Bank & Trust Company Vero Beach 9.8 8.88 0 8.61 206,725 23.2% 187,660 1.4% 0.61 3.72 1,119

Intracoastal Bank Palm Coast 0.0 8.88 0 9.05 282,354 12.3% 255,783 0.0% 1.42 3.58 3,728

Charlotte State Bank & Trust Port Charlotte 26.3 8.87 0 8.80 317,452 4.3% 286,738 0.0% 1.68 3.38 5,130

Madison County Community Bank Madison 24.3 8.86 0 8.82 110,416 -4.5% 100,312 0.0% 0.50 3.07 551

First State Bank of the Florida Keys Key West 20.8 8.85 0 8.79 894,034 6.6% 642,415 0.0% 1.22 3.18 10,112

Citizens First Bank The Villages 13.1 8.84 0 8.71 1,976,385 9.6% 1,576,980 0.0% 1.06 2.45 19,673

Pilot Bank Tampa PLBN 23.5 8.83 0 11.14 230,434 1.7% 188,181 4.3% 0.30 3.71 684

Community Bank and Trust of Florida Ocala 6.9 8.80 0 8.92 667,714 9.0% 605,947 0.0% 0.74 3.31 4,616

CenterState Bank of Florida, National Association Winter Haven CSFL 15.6 8.78 0 7.98 4,960,829 27.9% 4,094,285 3.3% 0.70 4.51 28,461

Encore Bank, National Association Naples 7.9 8.76 0 8.51 377,727 3.7% 333,505 0.1% 0.51 3.40 1,774

First Bank Clewiston 25.8 8.71 0 8.38 306,667 6.3% 278,755 2.4% 0.76 4.18 2,171

Citizens Bank and Trust Lake Wales 21.4 8.71 0 8.85 491,532 7.4% 429,997 0.0% 0.72 3.55 3,453

Continental National Bank Miami 4.4 8.70 0 7.40 441,260 16.8% 392,501 0.0% 0.53 3.63 2,157

Sanibel Captiva Community Bank Sanibel 8.9 8.70 0 8.31 292,433 4.0% 242,821 0.0% 1.38 4.32 3,816

U.S. Century Bank Doral 42.5 8.68 0 6.08 895,375 -1.8% 769,927 0.0% 0.06 3.29 548

Freedom Bank Saint Petersburg 6.1 8.68 0 8.45 187,656 43.3% 170,870 0.0% 0.58 3.99 926

Englewood Bank & Trust Englewood 22.8 8.64 0 8.25 255,873 12.0% 232,799 0.0% 1.65 3.56 3,845

Bank of Belle Glade Belle Glade 12.5 8.62 0 8.67 93,322 -3.3% 85,106 0.0% 0.36 2.27 341

HomeBanc National Association Tampa 1.4 8.54 0 7.18 1,013,223 11.6% 776,740 11.1% 0.69 2.48 6,762

1st Manatee Bank Parrish 19.0 8.54 0 8.37 147,011 14.5% 133,194 0.0% 0.61 3.96 849

First National Bank of South Miami South Miami FMIA 1.5 8.52 0 8.12 615,666 0.8% 495,823 0.0% 0.41 2.76 2,454

Gibraltar Private Bank & Trust Co. Coral Gables 23.7 8.46 0 8.33 1,645,984 3.9% 1,147,484 0.3% 0.41 3.24 6,493

Bank City

Top

Level

Ticker

Texas

Ratio

(%)

Leverage

Ratio

(%)

Tier 1

Shortfall

(to 8%)

TCE/

TA

(%)

Total

Assets

($000)

1-Year

Change in

Total Assets

(%)

Total

Deposits

($000)

Brokered

(%)

LTM

ROAA

(%)

NIM

(FTE)

(%)

LTM Net

Income

($000)


Biscayne Bank Coconut Grove 1.8 8.46 0 8.17 677,425 26.2% 547,192 11.1% 1.31 3.71 7,921

Citizens State Bank Perry 10.4 8.45 0 8.58 272,964 -2.2% 249,065 9.5% 0.97 5.32 2,775

Gateway Bank of Central Florida Ocala 9.8 8.40 0 8.56 271,841 24.9% 230,093 0.5% 0.73 3.74 1,774

BAC Florida Bank Coral Gables 36.7 8.27 0 7.34 1,853,859 13.3% 1,499,688 17.7% 0.73 2.74 12,670

EverBank Jacksonville EVER 32.0 8.25 0 7.81 26,633,379 14.1% 19,110,366 23.3% 0.63 2.99 155,857

Mackinac Savings Bank, FSB Boynton Beach 0.0 8.23 0 8.22 110,404 1.2% 97,814 0.0% 0.31 2.48 343

Bank of Tampa Tampa 11.4 8.21 0 8.30 1,423,544 3.1% 1,292,146 0.1% 0.84 3.39 11,832

Century Bank of Florida Tampa 54.2 8.21 0 8.29 73,572 3.9% 54,904 0.0% 0.38 4.15 273

Seaside National Bank & Trust Orlando 9.6 8.18 0 7.98 1,367,198 21.6% 1,181,341 23.4% 0.55 3.22 6,807

First Florida Integrity Bank Naples 2.8 8.15 0 8.32 1,173,782 14.1% 919,303 3.3% 0.47 2.97 5,378

Bank of Central Florida Lakeland 2.1 8.13 0 8.06 421,672 4.1% 385,279 21.3% 0.64 3.42 2,652

Edison National Bank Fort Myers 4.2 8.01 0 7.74 299,915 8.5% 265,738 0.0% 0.62 2.60 1,728

OptimumBank Plantation OPHC 52.2 7.60 484 7.32 126,389 -1.9% 93,138 0.0% 0.38 3.38 468

Brannen Bank Inverness 25.7 7.14 3,851 7.83 458,214 6.8% 422,000 0.0% 1.33 3.32 5,888

Brickell Bank Miami 42.6 6.55 7,256 6.61 495,941 -23.9% 371,017 5.4% -2.21 2.37 -12,040

Bank City

Top

Level

Ticker

Texas

Ratio

(%)

Leverage

Ratio

(%)

Tier 1

Shortfall

(to 8%)

TCE/

TA

(%)

Total

Assets

($000)

1-Year

Change in

Total Assets

(%)

Total

Deposits

($000)

Brokered

(%)

LTM

ROAA

(%)

NIM

(FTE)

(%)

LTM Net

Income

($000)

Pinnacle Bank Orange City 209.8 2.17 8,018 2.11 126,460 -16.4% 118,382 4.4% -0.42 2.84 -629

First City Bank of Florida Fort Walton Beach 524.6 2.57 11,549 2.51 216,775 -6.2% 200,779 0.0% -0.16 3.16 -353

Bank of Commerce Sarasota 235.7 2.74 11,197 2.65 211,277 -3.2% 169,737 0.0% -0.50 3.07 -1,064

Beach Community Bank Fort Walton Beach BCBF 807.8 3.41 24,614 3.42 538,259 -2.5% 490,000 0.0% -0.47 2.51 -2,526

Lafayette State Bank Mayo 252.1 3.86 3,344 3.94 78,902 -9.5% 75,428 5.3% -1.45 3.62 -1,214

Gulf Coast Community Bank Pensacola 260.4 4.34 4,882 4.26 132,464 -5.0% 116,422 0.0% -0.31 4.33 -429

Friends Bank New Smyrna Beach FRIE 126.9 7.93 72 7.45 104,968 7.1% 96,845 0.0% 0.77 3.98 743

Interamerican Bank, A FSB Miami 103.1 12.08 0 12.14 209,783 -4.5% 183,320 0.0% 0.28 3.57 614

Florida Banks, Texas Ratio >75%

Bank City

Top

Level

Ticker

Texas

Ratio

(%)

Leverage

Ratio

(%)

Tier 1

Shortfall

(to 8%)

TCE/

TA

(%)

Total

Assets

($000)

1-Year

Change in

Total Assets

(%)

Total

Deposits

($000)

Brokered

(%)

LTM

ROAA

(%)

NIM

(FTE)

(%)

LTM Net

Income

($000)

Bank of Hancock County Sparta 2.8 24.52 0 23.65 86,699 -2.8% 65,804 0.0% 1.13 4.47 995

West Central Georgia Bank Thomaston 3.1 24.10 0 24.10 121,058 2.2% 90,218 0.0% 1.14 4.50 1,344

Elberton Federal Savings & Loan Association Elberton 0.8 22.90 0 23.13 21,096 -0.1% 16,198 0.0% 0.39 3.90 83

American Pride Bank Macon 6.0 19.46 0 19.08 135,122 6.8% 100,960 5.0% 1.18 4.29 1,525

Newton Federal Bank Covington 19.5 19.23 0 19.14 231,645 1.3% 182,200 0.0% 0.55 4.08 1,229

Bank of Dawson Dawson 7.5 17.90 0 17.31 117,891 2.1% 96,709 0.0% 1.04 4.91 1,173

CharterBank West Point CHFN 6.2 17.13 0 16.80 1,049,700 4.0% 813,316 3.8% 1.05 3.86 10,782

First Federal Savings and Loan Association of Valdosta Valdosta 18.0 16.80 0 17.11 165,486 1.5% 113,223 0.0% 0.19 3.94 307

First Intercontinental Bank Doraville FIEB 2.7 16.64 0 16.47 298,594 10.1% 245,106 0.0% 2.32 4.09 6,837

First National Bank of Waynesboro Waynesboro 2.5 16.47 0 16.67 120,992 6.8% 94,260 0.0% 1.30 4.60 1,504

Bank of Lumber City Lumber City 4.0 16.18 0 15.45 23,581 5.7% 19,467 0.0% 0.31 6.13 67

State Bank of Georgia Fayetteville 11.7 16.17 0 14.56 70,572 4.6% 54,413 0.0% 2.72 4.27 1,811

First National Bank South Alma 9.9 15.58 0 15.27 341,619 6.3% 286,065 0.0% 1.89 5.51 6,235

F&M Bank Washington 13.2 15.34 0 16.44 249,965 -5.0% 203,107 0.0% 0.94 4.17 2,382

Wheeler County State Bank Alamo 4.9 14.71 0 14.97 88,487 -0.8% 75,061 0.0% 1.02 4.31 916

Rochelle State Bank Rochelle 0.8 14.66 0 14.78 31,039 3.0% 26,324 0.0% 0.65 3.34 193

Bank of Madison Madison 25.1 14.64 0 14.43 209,088 0.4% 167,633 0.0% 1.26 4.27 2,622

Wilkinson County Bank Irwinton 10.0 14.50 0 13.79 47,869 4.3% 40,982 0.0% 0.32 4.29 149

Pelham Banking Company Pelham 1.5 14.49 0 14.77 76,491 5.3% 64,651 0.0% 1.36 3.68 983

Bank of Camilla Camilla 17.9 14.40 0 14.79 103,864 3.8% 87,162 0.3% 0.93 3.83 934

Durden Banking Company, Incorporated Twin City 5.8 14.24 0 14.04 165,194 1.8% 141,678 0.0% 2.11 4.83 3,346

Security State Bank McRae 0.0 14.23 0 14.86 42,768 -0.4% 36,315 0.0% 1.35 4.30 576

First Peoples Bank Pine Mountain 10.7 14.15 0 14.09 102,279 37.2% 86,728 0.0% 0.89 5.29 739

Farmers State Bank Dublin 17.8 14.00 0 14.01 120,833 4.0% 103,695 0.0% 1.32 4.16 1,551

Merchants & Citizens Bank McRae 16.7 13.97 0 13.55 110,681 1.8% 91,284 0.0% 0.71 3.37 756

State Bank of Cochran Cochran 14.4 13.95 0 13.75 216,972 2.7% 186,391 0.0% 1.71 4.04 3,595

Commercial State Bank Donalsonville 20.2 13.88 0 15.34 96,460 -7.7% 80,160 0.0% 0.83 4.19 840

Farmers State Bank Lincolnton 18.8 13.85 0 14.31 131,133 0.3% 112,018 0.1% 1.20 4.18 1,535

Touchmark National Bank Alpharetta TMAK 1.6 13.78 0 13.79 218,240 31.2% 167,701 3.7% 1.07 3.73 2,048

Bank of LaFayette, Georgia Lafayette 10.7 13.71 0 13.13 240,497 0.4% 206,066 0.0% 0.72 3.30 1,669

Farmers and Merchants Bank Sylvania 18.4 13.45 0 13.61 116,292 -1.4% 100,136 0.0% 0.52 4.24 601

Thomas County Federal Savings & Loan Association Thomasville 20.4 13.39 0 12.30 245,627 -2.4% 201,950 2.0% -0.71 3.38 -1,767

United National Bank Cairo 18.2 13.27 0 13.14 202,955 15.8% 170,454 19.8% 1.19 4.72 2,252

Chattahoochee Bank of Georgia Gainesville 0.0 13.21 0 13.17 161,783 11.7% 121,902 1.0% 0.55 3.76 821

Citizens Bank Cairo 12.6 13.05 0 12.92 32,446 -8.4% 27,853 0.0% -0.20 3.86 -71

Community Bank of Georgia Baxley 20.4 13.00 0 12.94 74,157 2.6% 64,375 0.0% 1.01 4.80 742

Commercial Banking Company Valdosta 14.5 12.98 0 12.71 228,450 2.3% 181,888 1.4% 0.70 3.50 1,580

Vidalia Federal Savings Bank Vidalia 10.3 12.90 0 12.77 228,375 -0.6% 199,000 0.0% 0.22 1.97 491

First State Bank of Blakely Blakely 3.4 12.89 0 12.90 444,124 10.5% 362,388 11.0% 1.32 4.17 5,785

Metro City Bank Doraville MCBS 5.6 12.88 0 11.64 726,367 19.5% 612,408 0.5% 2.67 4.97 17,794

State Bank and Trust Company Macon STBZ 8.4 12.86 0 12.64 3,519,401 24.8% 2,955,210 1.2% 1.11 4.96 35,977

Georgia Banks, Texas Ratio <75%

Bank City

Top

Level

Ticker

Texas

Ratio

(%)

Leverage

Ratio

(%)

Tier 1

Shortfall

(to 8%)

TCE/

TA

(%)

Total

Assets

($000)

1-Year

Change in

Total Assets

(%)

Total

Deposits

($000)

Brokered

(%)

LTM

ROAA

(%)

NIM

(FTE)

(%)

LTM Net

Income

($000)


Independence Bank of Georgia Braselton 2.7 12.75 0 12.79 184,113 5.9% 151,242 0.0% 0.91 3.96 1,676

NOA Bank Duluth 4.7 12.74 0 12.82 253,888 20.4% 211,129 11.4% 3.32 4.39 7,482

Exchange Bank Milledgeville EXCH 13.1 12.54 0 12.96 229,484 0.0% 199,156 0.0% 1.21 4.24 2,741

American Commerce Bank, National Association Bremen 21.3 12.53 0 11.68 200,542 84.0% 168,567 9.2% 0.54 4.07 904

First Bank of Coastal Georgia Pembroke 10.2 12.44 0 12.49 132,467 4.3% 114,833 0.0% 1.52 3.65 1,867

Farmers & Merchants Bank Eatonton 72.2 12.27 0 12.67 187,374 -4.7% 152,706 0.0% -0.06 3.27 -105

First Madison Bank & Trust Athens 0.8 12.07 0 11.96 186,655 8.6% 158,075 0.0% 1.40 4.61 2,509

Farmers Bank Greensboro 4.5 12.06 0 13.22 105,093 3.5% 83,543 0.0% 1.00 3.08 1,005

Resurgens Bank Tucker 1.7 12.06 0 11.54 155,357 21.2% 126,629 5.9% 1.70 4.28 2,288

Four County Bank Allentown 11.8 12.05 0 12.15 65,189 9.5% 56,471 0.0% 1.73 4.43 1,066

Citizens Bank of Cochran Cochran 12.6 11.95 0 13.13 74,614 -3.7% 63,834 0.0% 2.23 4.63 1,656

Community Banking Company of Fitzgerald Fitzgerald CBHC 5.1 11.92 0 11.59 134,271 1.7% 116,407 0.0% 1.00 4.03 1,303

Citizens Trust Bank Atlanta CZBS 21.6 11.92 0 12.42 403,747 1.4% 343,138 6.1% 0.50 3.40 1,986

Peoples Bank Willacoochee 6.6 11.87 0 11.80 74,795 7.9% 65,875 0.0% 0.92 3.59 661

Heritage First Bank Rome 7.6 11.86 0 11.57 104,165 5.5% 91,583 0.0% 0.05 4.92 53

Douglas National Bank Douglas 6.7 11.84 0 11.88 170,274 11.0% 149,728 14.1% 2.41 4.76 3,939

Citizens National Bank of Quitman Quitman 17.4 11.79 0 12.66 97,710 2.5% 81,682 0.0% 0.82 3.83 790

Peoples State Bank & Trust Baxley 16.8 11.78 0 11.70 82,361 3.5% 72,428 0.0% 1.67 4.75 1,360

Citizens Bank Nashville 34.0 11.76 0 11.82 257,624 -0.2% 226,211 0.0% 1.03 3.75 2,636

Bank of Dade Trenton 5.0 11.70 0 11.69 100,078 2.7% 88,300 0.0% 1.31 3.88 1,246

First Port City Bank Bainbridge 2.2 11.63 0 11.90 160,147 5.2% 139,654 0.0% 1.23 4.36 1,876

Georgia Primary Bank Atlanta 64.7 11.61 0 7.55 155,265 3.1% 137,275 0.0% 0.48 3.86 730

Glennville Bank Glennville 17.4 11.49 0 11.42 214,531 2.1% 188,673 0.0% 1.19 4.62 2,505

First Bank of Pike Molena 55.5 11.49 0 10.83 41,376 -2.5% 36,352 0.0% 0.23 5.17 97

Southeast First National Bank Summerville 14.2 11.47 0 10.94 62,038 2.6% 55,077 0.0% 0.35 2.78 199

Citizens Bank of The South Sandersville 13.2 11.46 0 11.15 215,866 6.7% 171,717 0.0% 0.71 4.50 1,461

Bank of Alapaha Alapaha 2.4 11.46 0 11.44 140,394 0.4% 123,846 0.0% 0.89 4.05 1,227

Southern Bank Sardis 35.8 11.39 0 11.33 78,952 -2.8% 69,616 0.0% 0.63 5.24 497

Hamilton State Bank Hoschton HMBH 8.8 11.36 0 11.34 1,766,041 5.6% 1,519,898 0.2% 0.89 4.91 15,360

Liberty First Bank Monroe 21.1 11.20 0 10.82 120,470 6.3% 105,049 0.0% 1.43 3.76 1,649

North Georgia National Bank Calhoun 16.0 11.15 0 11.28 122,946 4.6% 105,818 2.0% 0.59 3.44 700

First National Bank of Decatur County Bainbridge 7.2 11.13 0 11.40 119,755 1.4% 100,783 1.5% 0.89 3.65 1,056

Bank of Dudley Dublin 17.3 11.12 0 10.94 210,857 5.1% 187,272 0.0% 0.94 4.26 1,877

BankSouth Greensboro 12.4 11.05 0 10.64 453,882 13.4% 383,613 0.0% 2.31 5.09 9,662

Synovus Bank Columbus SNV 11.7 11.04 0 11.45 28,901,215 5.6% 23,656,612 5.1% 0.93 3.34 262,571

Citizens Community Bank Hahira 9.0 11.04 0 10.99 134,008 4.7% 118,967 0.0% 1.67 4.49 2,200

Rabun County Bank Clayton 38.4 10.96 0 10.99 154,566 2.6% 129,177 0.0% 0.72 3.61 1,129

Citizens Bank & Trust, Inc. Trenton 14.7 10.89 0 10.57 103,114 6.1% 91,043 0.0% 0.95 5.18 922

Quantum National Bank Suwanee 3.0 10.89 0 10.40 390,157 14.3% 342,331 8.5% 1.59 4.97 5,674

Embassy National Bank Lawrenceville 6.2 10.89 0 10.56 94,433 23.5% 82,857 9.9% 1.55 5.13 1,288

Bank of Hazlehurst Hazlehurst 30.3 10.88 0 10.63 134,457 16.2% 117,384 0.0% 1.70 4.00 2,116

Bank City

Top

Level

Ticker

Texas

Ratio

(%)

Leverage

Ratio

(%)

Tier 1

Shortfall

(to 8%)

TCE/

TA

(%)

Total

Assets

($000)

1-Year

Change in

Total Assets

(%)

Total

Deposits

($000)

Brokered

(%)

LTM

ROAA

(%)

NIM

(FTE)

(%)

LTM Net

Income

($000)


Wilcox County State Bank Abbeville 15.7 10.86 0 10.99 82,295 2.9% 73,059 0.0% 0.93 4.53 757

Altamaha Bank and Trust Company Vidalia 19.9 10.79 0 10.47 159,358 4.9% 142,354 0.0% 1.41 4.95 2,179

South Georgia Bank Glennville 25.0 10.77 0 10.94 141,255 5.4% 122,353 0.0% 2.01 5.94 2,706

Citizens State Bank of Taylor County Reynolds 17.4 10.73 0 11.17 52,251 3.0% 46,157 0.0% 0.30 3.92 152

National Bank of Georgia Athens 7.3 10.66 0 10.07 406,463 9.9% 314,799 1.2% 1.30 3.85 4,857

Citizens Bank of Swainsboro Swainsboro 19.9 10.65 0 10.57 163,579 7.8% 144,449 0.0% 0.93 4.78 1,444

SunMark Community Bank Hawkinsville 23.3 10.61 0 10.73 231,363 2.3% 203,539 0.0% 1.39 4.24 3,201

First National Community Bank Chatsworth 19.4 10.60 0 13.72 144,595 7.6% 124,045 0.0% 4.53 3.90 6,253

Commercial Bank Crawford 17.6 10.60 0 10.95 129,344 6.7% 106,275 0.5% 2.10 4.28 2,630

Southern Bank & Trust Clarkesville 14.0 10.60 0 10.68 130,341 3.4% 115,543 0.0% 0.77 4.19 979

Calumet Bank LaGrange 13.6 10.59 0 10.76 147,005 7.4% 128,864 0.0% 0.43 3.74 633

South Coast Bank & Trust Brunswick 0.0 10.54 0 10.41 89,885 3.3% 80,272 3.7% 0.83 3.87 727

South Georgia Banking Company Tifton 10.3 10.53 0 10.82 446,252 0.2% 387,702 0.0% 1.03 3.74 4,562

First National Bank of Coffee County Douglas 16.8 10.53 0 10.30 142,093 4.9% 121,102 0.0% 1.38 3.86 1,936

Mount Vernon Bank Vidalia 5.6 10.50 0 10.44 137,719 3.7% 121,667 0.0% 1.14 3.66 1,518

Century Bank of Georgia Cartersville 14.8 10.50 0 10.30 170,811 1.1% 152,204 0.0% 0.78 3.35 1,295

Atlantic National Bank Brunswick 6.4 10.49 0 10.07 170,501 15.1% 148,997 0.0% 1.20 3.00 1,881

Family Bank Pelham 18.6 10.48 0 10.19 96,447 7.9% 86,283 0.0% 0.45 4.36 409

Century Bank & Trust Milledgeville 24.1 10.47 0 9.89 243,812 3.8% 216,111 0.0% 0.91 4.03 2,104

Guardian Bank Valdosta 5.0 10.47 0 10.47 293,689 3.9% 261,982 1.1% 1.33 3.68 3,789

Morris Bank Dublin 23.6 10.40 0 10.36 564,899 15.2% 489,973 12.7% 2.08 4.93 10,774

United Bank Zebulon 9.6 10.38 0 10.32 1,190,801 4.8% 1,062,310 0.0% 1.66 3.77 18,811

Bank of Early Blakely 26.9 10.36 0 9.72 108,911 6.3% 93,251 0.3% 0.62 4.77 651

Colony Bank Fitzgerald CBAN 26.2 10.34 0 10.25 1,166,533 1.0% 1,003,421 4.2% 0.81 3.58 9,366

Peoples Bank of Talbotton Talbotton 12.9 10.29 0 7.48 55,235 11.5% 49,498 1.0% 0.76 5.24 387

Community & Southern Bank Atlanta 9.2 10.22 0 10.32 4,069,459 16.1% 3,577,944 2.6% 0.81 4.15 32,088

Greater Community Bank Rome 7.3 10.19 0 9.95 136,395 8.6% 115,423 1.8% 0.60 5.04 755

First Landmark Bank Marietta 7.0 10.14 0 10.26 483,058 15.4% 390,413 2.0% 1.06 4.37 4,749

Northeast Georgia Bank Lavonia 23.3 10.04 0 9.17 461,621 9.7% 412,865 0.0% 1.19 3.07 5,149

Pinnacle Bank Elberton 11.8 10.02 0 9.98 685,162 5.3% 602,622 0.9% 1.45 4.28 9,469

Bank of Terrell Dawson 28.5 10.00 0 10.10 153,062 7.0% 136,979 0.0% 1.04 4.56 1,535

Georgia Bank & Trust Company of Augusta Augusta SBFC 7.6 9.97 0 9.99 1,872,059 4.0% 1,576,922 10.8% 1.14 3.34 20,722

Southeastern Bank Darien SEBC 26.2 9.91 0 10.88 415,323 3.3% 369,303 0.0% 0.76 3.41 3,050

Mountain Valley Community Bank Cleveland 22.4 9.90 0 10.10 172,718 5.9% 149,550 0.0% 0.98 4.20 1,666

SunTrust Bank Atlanta STI 18.4 9.88 0 9.73 189,907,589 2.5% 154,833,252 3.8% 1.09 2.99 2,014,359

Queensborough National Bank & Trust Company Louisville 23.0 9.88 0 9.33 951,077 9.6% 857,324 0.0% 0.76 4.13 6,487

Capital Bank Fort Oglethorpe 20.1 9.87 0 9.78 113,333 -0.4% 100,007 0.0% 1.02 4.58 1,125

First American Bank and Trust Company Athens 17.4 9.83 0 9.56 490,800 6.4% 402,260 0.0% 0.58 3.29 2,712

Pineland State Bank Metter 29.1 9.76 0 9.75 57,277 0.2% 51,457 0.0% 0.47 3.62 262

PrimeSouth Bank Blackshear 30.6 9.70 0 10.10 362,464 7.0% 324,780 0.0% 1.56 4.88 5,373

Waycross Bank & Trust Waycross 6.2 9.69 0 9.89 150,822 2.3% 134,847 0.0% 0.80 3.09 1,190

Bank City

Top

Level

Ticker

Texas

Ratio

(%)

Leverage

Ratio

(%)

Tier 1

Shortfall

(to 8%)

TCE/

TA

(%)

Total

Assets

($000)

1-Year

Change in

Total Assets

(%)

Total

Deposits

($000)

Brokered

(%)

LTM

ROAA

(%)

NIM

(FTE)

(%)

LTM Net

Income

($000)


Brand Banking Company Lawrenceville 38.9 9.63 0 9.79 2,264,343 15.6% 1,888,480 5.1% 0.68 3.84 14,460

Alma Exchange Bank & Trust Alma 34.6 9.53 0 9.69 87,223 4.4% 78,482 0.0% 0.53 4.11 467

Claxton Bank Claxton 29.0 9.45 0 8.84 120,939 2.7% 110,063 0.0% 0.94 4.43 1,084

Trust Bank Lenox 43.6 9.43 0 9.20 38,358 12.1% 34,185 0.0% 1.05 6.31 368

Bank of Soperton Soperton 14.1 9.41 0 9.22 46,508 17.4% 42,055 0.0% 1.35 5.70 564

Bank of Edison Edison 8.0 9.41 0 9.77 42,859 -3.6% 37,809 0.0% 0.54 3.55 233

Piedmont Bank Norcross 13.1 9.39 0 11.23 486,054 18.0% 415,699 0.0% 0.92 4.19 4,090

Planters First Bank Hawkinsville 44.3 9.35 0 9.29 280,389 2.9% 251,856 0.0% 1.76 4.62 4,785

Citizens Bank of Americus Americus 7.5 9.34 0 9.18 270,328 5.2% 238,396 0.0% 1.07 3.58 2,709

Ameris Bank Moultrie ABCB 19.7 9.33 0 9.90 6,114,791 47.1% 5,233,262 0.1% 0.90 4.35 47,596

Citizens Bank of Forsyth County Cumming 20.8 9.32 0 9.21 279,525 14.1% 251,279 0.0% 0.94 3.64 2,406

United Community Bank Blairsville UCBI 10.0 9.28 0 9.94 9,747,998 27.8% 8,033,607 6.0% 0.99 3.44 87,936

Vinings Bank Smyrna 12.3 9.24 0 10.09 272,595 -2.6% 234,389 0.0% 1.14 3.70 3,004

PeoplesSouth Bank Colquitt 22.9 9.19 0 9.15 715,333 45.4% 626,222 0.0% 1.08 3.85 6,475

First State Bank of Randolph County Cuthbert 9.4 9.12 0 9.34 77,185 4.9% 69,643 0.0% 0.64 3.28 477

Oconee State Bank Watkinsville 2.9 9.05 0 9.44 304,932 5.0% 275,556 0.0% 0.70 3.41 2,056

Planters and Citizens Bank Camilla 9.5 9.00 0 9.09 119,762 -0.8% 108,652 0.0% 0.22 2.44 262

AB&T National Bank Albany ALBY 5.5 8.87 0 12.49 143,228 5.0% 112,966 0.0% 0.36 3.95 488

Georgia Banking Company Atlanta 22.5 8.86 0 7.98 371,561 13.8% 292,583 26.9% 0.73 3.52 2,372

River City Bank Rome 20.3 8.80 0 8.74 151,435 -5.6% 133,303 0.0% -0.42 3.62 -647

Peach State Bank & Trust Gainesville 13.4 8.75 0 9.45 171,082 14.8% 151,232 0.0% 0.99 3.50 1,546

Geo. D. Warthen Bank Sandersville 31.3 8.70 0 8.75 172,919 1.9% 151,126 0.0% 0.67 4.47 1,162

First State Bank Wrens 16.1 8.62 0 8.84 106,412 11.5% 96,435 2.1% 1.28 5.72 1,271

Bank of Newington Newington 60.2 8.61 0 7.01 91,704 12.1% 82,462 2.5% 1.93 5.12 1,651

Bank of Wrightsville Wrightsville 22.1 8.59 0 8.35 54,799 0.3% 49,588 0.0% 0.47 3.50 253

Southwest Georgia Bank Moultrie SGB 2.6 8.53 0 8.53 408,013 2.2% 332,997 0.0% 0.91 4.11 3,656

SouthCrest Bank NA Tyrone SCSG 14.0 8.46 0 9.17 552,250 -1.8% 498,983 0.0% 0.40 3.66 2,195

Flint Community Bank Albany 23.5 8.46 0 8.12 196,575 9.9% 174,411 6.1% 0.78 3.87 1,431

First Bank Dalton 17.3 8.44 0 8.06 245,452 17.9% 220,246 0.0% 1.31 4.12 2,874

Private Bank of Buckhead Atlanta 18.1 8.31 0 7.96 300,626 14.1% 241,329 3.5% 1.78 5.08 4,873

Fidelity Bank Atlanta LION 19.2 8.30 0 7.63 4,096,366 27.9% 3,428,606 4.2% 0.93 3.28 33,196

Peoples Bank Lyons 2.8 8.30 0 8.40 71,815 0.9% 65,609 0.0% 0.72 4.44 517

S Bank Glennville 10.8 8.26 0 9.50 108,813 11.7% 94,992 2.1% 0.53 5.27 532

Farmers & Merchants Bank Statesboro FMBE 37.2 8.23 0 10.65 178,974 5.5% 159,464 0.0% 0.37 3.65 632

Thomasville National Bank Thomasville THVB 5.5 8.23 0 8.42 722,477 12.4% 637,479 3.5% 1.45 3.57 10,154

Heritage Bank Jonesboro CCFH 26.8 8.22 0 7.97 405,017 5.0% 359,965 0.0% 0.67 3.92 2,622

Barwick Banking Company Barwick 0.0 8.13 0 8.79 11,942 -6.1% 10,888 0.0% -0.54 1.52 -68

Talbot State Bank Woodland 66.0 7.80 145 7.34 72,334 0.8% 66,888 49.7% -0.18 3.42 -129

First Century Bank, National Association Gainesville 11.7 7.80 242 8.21 118,790 8.3% 108,200 0.0% 1.65 2.80 1,802

Bank of Monticello Monticello 28.7 7.47 523 7.52 100,923 5.7% 92,710 0.0% 1.06 3.84 1,036

Citizens Bank & Trust Company Eastman 50.8 6.95 1,354 6.39 129,777 0.8% 119,465 0.0% 0.34 4.02 430

Bank City

Top

Level

Ticker

Texas

Ratio

(%)

Leverage

Ratio

(%)

Tier 1

Shortfall

(to 8%)

TCE/

TA

(%)

Total

Assets

($000)

1-Year

Change in

Total Assets

(%)

Total

Deposits

($000)

Brokered

(%)

LTM

ROAA

(%)

NIM

(FTE)

(%)

LTM Net

Income

($000)


Affinity Bank Atlanta 45.2 5.36 6,888 6.62 275,131 5.9% 224,791 0.0% 2.04 2.89 5,331

First National Bank of Griffin Griffin 18.4 5.01 7,487 4.94 254,320 4.2% 229,079 0.0% 0.40 3.15 974

Bank City

Top

Level

Ticker

Texas

Ratio

(%)

Leverage

Ratio

(%)

Tier 1

Shortfall

(to 8%)

TCE/

TA

(%)

Total

Assets

($000)

1-Year

Change in

Total Assets

(%)

Total

Deposits

($000)

Brokered

(%)

LTM

ROAA

(%)

NIM

(FTE)

(%)

LTM Net

Income

($000)

Foothills Community Bank Dawsonville 334.3 2.11 4,139 2.09 69,663 -9.3% 68,108 0.0% -0.23 4.67 -166

Gwinnett Community Bank Duluth 466.5 2.77 17,602 2.80 334,981 -6.4% 309,585 0.0% -0.01 2.54 -19

Woodbury Banking Company Woodbury 291.6 2.87 1,170 2.99 22,449 -4.2% 21,709 0.0% -2.79 3.88 -661

Farmers & Merchants Bank Lakeland 322.9 3.09 26,538 3.00 543,172 -1.3% 519,116 0.0% -0.10 3.88 -528

CornerstoneBank Atlanta 117.3 3.56 10,679 3.47 240,716 -0.5% 202,108 0.0% 0.21 2.93 519

Community Bank & Trust - West Georgia LaGrange 199.0 4.55 2,895 4.62 84,174 -7.8% 79,987 0.0% -0.35 4.32 -310

Northside Bank Adairsville 206.8 4.62 4,273 4.45 123,754 -7.5% 115,199 0.0% -4.72 3.48 -6,187

First Southern Bank Patterson 133.0 5.11 2,988 4.94 107,512 10.8% 98,661 0.0% 0.25 4.73 248

F & M Bank and Trust Company Manchester 236.2 5.17 2,274 5.13 81,171 -2.5% 72,994 0.0% 0.34 4.56 278

Heritage Bank Hinesville 178.2 5.27 14,342 4.94 535,504 -0.7% 507,001 1.9% -0.06 3.13 -321

Legacy State Bank Loganville 247.3 6.01 1,434 4.78 72,333 3.9% 63,156 0.0% -0.39 3.42 -277

First Chatham Bank Savannah 143.4 6.23 6,433 6.17 367,047 -1.7% 329,348 0.0% 0.50 3.47 1,837

Persons Banking Company Forsyth 99.8 6.24 5,728 6.26 327,044 -2.1% 301,644 0.0% -0.70 4.05 -2,289

Citizens State Bank Kingsland 113.2 6.62 788 7.30 55,271 -5.8% 51,067 0.0% -0.74 4.51 -427

Peoples Bank Eatonton 106.7 6.73 1,648 6.88 127,164 -6.9% 112,472 0.0% -1.03 3.21 -1,378

Providence Bank Alpharetta 211.3 7.22 839 10.39 110,251 -3.8% 89,486 0.0% 0.05 3.61 51

First Covenant Bank Commerce 91.3 7.47 1,045 7.85 191,635 7.7% 176,027 0.0% 0.82 4.03 1,489

Bank of Eastman Eastman 166.3 7.74 458 7.84 176,872 -6.8% 158,432 0.0% 0.74 4.19 1,363

Georgia Heritage Bank Dallas 105.9 8.03 0 7.42 73,699 1.7% 64,539 0.0% 1.31 4.75 959

Peoples Bank & Trust Buford 111.7 8.60 0 9.64 268,030 -2.8% 241,828 0.0% 1.90 3.48 5,191

Community Bank of Pickens County Jasper 93.4 9.15 0 9.08 331,994 -2.0% 297,098 0.0% 0.24 3.99 773

Carver State Bank Savannah 99.1 9.28 0 9.44 40,368 -3.1% 33,957 19.0% -0.04 4.79 -16

WestSide Bank Hiram 229.4 9.30 0 9.02 122,159 6.8% 110,673 0.0% 0.16 4.00 184

Signature Bank of Georgia Sandy Springs 105.6 11.44 0 11.64 94,106 10.7% 76,335 0.0% -0.32 4.17 -291

Georgia Banks, Texas Ratio >75%

Bank City

Top

Level

Ticker

Texas

Ratio

(%)

Leverage

Ratio

(%)

Tier 1

Shortfall

(to 8%)

TCE/

TA

(%)

Total

Assets

($000)

1-Year

Change in

Total Assets

(%)

Total

Deposits

($000)

Brokered

(%)

LTM

ROAA

(%)

NIM

(FTE)

(%)

LTM Net

Income

($000)

Citizens Federal Savings and Loan Association Covington 0.0 28.12 0 28.09 35,410 1.3% 22,274 0.0% 0.66 3.19 227

First Federal Savings and Loan Association Morehead 14.5 28.12 0 28.30 33,000 -1.3% 23,343 0.0% 0.07 3.53 24

Blue Grass Federal Savings and Loan Association Paris 18.3 25.79 0 26.08 37,282 -7.1% 27,371 0.0% -2.99 3.84 -1,176

Jackson County Bank McKee 2.4 25.71 0 25.59 132,394 2.8% 93,764 0.0% 1.16 3.91 1,528

First Federal Savings and Loan Association (MHC) Hazard KFFB 17.7 24.33 0 24.46 73,428 -2.8% 52,692 0.0% 0.28 3.14 209

Kentucky Farmers Bank Corporation Ashland 6.3 22.28 0 23.09 180,862 3.0% 138,906 0.0% 2.56 5.55 4,443

Farmers Bank Hardinsburg 8.1 21.27 0 21.20 112,014 3.1% 87,964 0.0% 1.96 4.54 2,138

Security Bank and Trust Company Maysville 0.4 20.55 0 20.17 52,149 1.7% 41,602 0.0% 1.34 3.49 683

Dixon Bank Dixon 3.7 20.29 0 20.68 89,709 -0.4% 70,737 0.0% 0.83 2.97 740

Hart County Bank and Trust Company Munfordville 0.0 19.35 0 19.49 27,847 -0.5% 22,316 0.0% 0.67 4.23 187

Citizens Bank Hartford 7.4 19.35 0 18.40 30,716 -5.1% 24,592 0.0% 0.46 4.32 142

Farmers Deposit Bank Cynthiana 16.0 18.96 0 19.60 130,710 -5.4% 104,557 0.0% 0.93 3.42 1,241

First & Peoples Bank and Trust Company Russell 5.1 18.32 0 17.24 203,678 0.8% 167,975 0.0% 0.19 3.31 378

Clinton Bank Clinton 8.4 18.11 0 18.60 60,258 -2.6% 42,203 2.4% 0.79 3.55 474

Metro Bank Louisville 10.0 17.55 0 17.30 31,479 -4.5% 25,803 17.9% 0.28 2.43 90

Bank of Maysville Maysville 3.3 16.69 0 16.60 125,111 5.2% 100,877 0.0% 0.86 3.63 1,037

Leitchfield Deposit Bank & Trust Company Leitchfield 11.1 16.47 0 16.28 124,043 -3.2% 91,335 0.0% 1.72 4.24 2,105

Bankers' Bank of Kentucky, Inc. Frankfort 0.0 16.13 0 15.17 85,088 19.6% 71,424 0.0% 0.50 3.18 367

Louisa Community Bank Louisa 19.5 15.53 0 15.57 33,097 5.4% 27,627 6.3% -0.01 4.57 -2

Town Square Bank Ashland PBSK 8.2 15.51 0 15.31 435,528 4.6% 345,547 0.0% 0.72 4.34 3,111

Farmers Bank and Trust Company Princeton, Kentucky Princeton 0.9 15.35 0 15.28 124,762 1.1% 102,585 0.0% 1.63 4.19 1,961

Citizens Bank & Trust Company Campbellsville 3.4 14.86 0 15.63 209,672 -8.5% 174,796 0.0% 0.91 3.37 1,968

Commercial Bank of Grayson Grayson 1.2 14.81 0 14.62 178,468 4.8% 151,236 0.0% 0.66 3.83 1,138

Citizens Deposit Bank of Arlington, Inc. Arlington 2.2 14.75 0 15.38 189,005 9.0% 138,968 16.7% 1.87 3.86 3,452

Farmers Bank and Trust Company Marion 4.0 14.61 0 14.81 141,264 3.8% 106,354 0.0% 1.80 5.16 2,536

Farmers Bank of Milton Milton 15.6 14.39 0 14.62 228,203 0.7% 194,481 0.0% 0.90 3.59 2,018

Home Savings Bank, FSB Ludlow 12.4 14.35 0 14.74 26,856 0.3% 21,345 0.0% -0.78 3.15 -210

Fredonia Valley Bank Fredonia 14.9 14.35 0 14.87 75,579 -0.5% 60,549 0.0% 1.24 4.73 949

Commonwealth Community Bank, Inc. Hartford 1.1 14.26 0 14.51 149,049 -0.7% 120,315 0.0% 1.02 3.63 1,522

Edmonton State Bank Edmonton 2.2 14.22 0 14.05 466,647 1.2% 382,707 0.0% 1.61 3.99 7,408

Springfield State Bank Springfield 1.2 14.12 0 13.32 300,578 3.3% 221,586 0.0% 1.08 3.48 3,168

Farmers National Bank of Scottsville Scottsville 5.0 14.07 0 14.74 247,466 -1.1% 201,846 0.0% 1.03 3.88 2,595

Carrollton Federal Bank Carrollton 3.7 14.05 0 14.28 33,436 -6.2% 27,585 0.0% 0.38 4.01 134

First Federal Savings Bank of Kentucky (MHC) Frankfort KFFB 15.7 13.89 0 14.07 228,427 -0.2% 149,278 0.0% 0.74 3.94 1,708

Elkton Bank & Trust Company Elkton 1.0 13.79 0 13.62 136,486 4.4% 109,823 0.0% 1.04 4.10 1,359

Bank of the Bluegrass & Trust Co. Lexington 13.8 13.68 0 13.68 226,505 1.3% 187,784 2.2% 1.22 3.98 2,734

First National Bank of Jackson Jackson 7.9 13.67 0 13.95 111,190 -0.1% 95,031 0.0% 0.06 2.75 72

Salyersville National Bank Salyersville 3.5 13.64 0 13.25 122,784 -7.4% 98,848 0.0% 0.79 3.57 971

Citizens Bank Hickman 14.3 13.59 0 13.95 112,724 2.9% 90,371 5.8% 1.25 4.36 1,411

Victory Community Bank Fort Mitchell 13.2 13.58 0 13.01 167,018 0.2% 122,282 0.0% 2.25 3.04 3,546

American Founders Bank, Inc. Louisville 65.1 13.51 0 12.53 99,834 -65.9% 80,494 2.5% 2.65 3.64 5,379

Kentucky Banks, Texas Ratio <75%

Bank City

Top

Level

Ticker

Texas

Ratio

(%)

Leverage

Ratio

(%)

Tier 1

Shortfall

(to 8%)

TCE/

TA

(%)

Total

Assets

($000)

1-Year

Change in

Total Assets

(%)

Total

Deposits

($000)

Brokered

(%)

LTM

ROAA

(%)

NIM

(FTE)

(%)

LTM Net

Income

($000)


Bedford Loan & Deposit Bank Bedford 15.0 13.50 0 13.94 88,907 2.5% 73,525 0.0% 0.49 4.07 426

Cumberland Security Bank, Inc. Somerset 2.8 13.14 0 13.00 181,103 8.5% 153,739 0.0% 1.99 4.42 3,482

River City Bank, Inc. Louisville 4.5 13.03 0 14.29 268,451 -6.0% 215,886 0.0% 1.45 3.87 4,046

Bank of Clarkson Clarkson 2.5 12.95 0 12.82 114,780 -3.3% 97,336 0.0% 1.25 3.78 1,441

United Bank & Trust Company Versailles FFKT 31.9 12.93 0 13.07 520,954 -1.4% 381,720 0.0% 0.60 3.42 3,083

Peoples Bank & Trust Company Owenton 8.3 12.89 0 13.49 55,048 -4.5% 45,466 0.0% 2.49 4.89 1,397

Taylor County Bank Campbellsville 8.7 12.67 0 12.62 180,795 0.7% 146,122 0.0% 1.97 4.52 3,484

Town & Country Bank and Trust Company Bardstown 5.6 12.37 0 13.43 282,810 8.1% 243,605 0.0% 3.69 3.26 9,864

Sacramento Deposit Bank Sacramento 3.1 12.31 0 12.32 70,081 -2.9% 59,402 0.0% 1.76 4.54 1,234

United Cumberland Bank Whitley City 29.3 12.31 0 12.09 284,662 0.6% 231,627 0.1% 1.47 4.32 4,122

Peoples Bank MT. Washington Mount Washington 35.4 12.29 0 12.38 82,926 2.6% 72,369 0.0% 1.96 4.48 1,583

United Community Bank of West Kentucky, Inc. Morganfield 2.1 12.24 0 12.43 232,995 4.7% 187,775 1.6% 1.57 4.35 3,535

First National Bank of Russell Springs Russell Springs 14.3 12.23 0 12.42 217,738 5.0% 188,842 0.0% 0.62 3.93 1,296

First United Bank and Trust Company Madisonville 1.9 12.19 0 13.36 203,112 2.7% 150,919 0.0% 1.72 4.51 3,498

First National Bank of Carrollton Carrollton 8.4 12.15 0 11.88 104,807 1.8% 88,448 0.0% 1.48 3.93 1,505

Forcht Bank, National Association Lexington 5.6 12.15 0 12.71 998,318 3.8% 810,111 0.0% 0.86 4.21 8,528

First Farmers Bank and Trust Company Owenton 16.0 12.11 0 12.29 116,062 3.7% 93,523 0.0% 1.29 4.40 1,487

Pinnacle Bank, Inc. Vanceburg 2.8 12.09 0 11.99 50,929 1.5% 38,375 6.5% 0.82 4.92 417

Lincoln National Bank Hodgenville 2.9 12.06 0 12.00 283,620 52.1% 233,534 0.0% 0.78 4.13 2,208

Commercial Bank West Liberty 2.8 12.00 0 12.67 141,607 -5.1% 105,967 0.0% 0.72 3.79 1,030

Casey County Bank Liberty 19.5 12.00 0 11.93 181,383 9.1% 154,524 0.0% 0.86 4.28 1,474

Inez Deposit Bank Inez 7.8 11.99 0 12.33 152,293 -3.6% 133,071 0.0% 0.23 2.85 358

United Citizens Bank of Southern Kentucky, Inc. Columbia 23.7 11.94 0 11.78 139,154 3.9% 122,283 0.0% 0.98 4.39 1,313

Paducah Bank and Trust Company Paducah 7.4 11.87 0 12.57 579,690 4.5% 423,497 11.4% 1.78 4.30 9,935

Community Trust Bank, Inc. Pikeville CTBI 24.1 11.86 0 11.99 3,857,946 3.2% 3,047,249 0.0% 1.19 3.83 45,115

Eclipse Bank, Inc. Louisville 19.0 11.86 0 12.44 141,377 -0.6% 119,009 21.2% 0.51 3.76 712

Winchester Federal Bank Winchester 7.8 11.84 0 12.36 148,974 -7.2% 96,233 0.0% 1.45 3.10 2,238

First State Bank Irvington 2.1 11.78 0 11.11 182,875 7.2% 159,221 0.0% 1.20 3.80 2,027

Citizens Bank of Cumberland County Burkesville 16.5 11.78 0 11.57 75,551 5.5% 64,308 0.0% 1.83 4.84 1,306

South Central Bank, Inc. Glasgow 9.2 11.76 0 11.85 915,841 3.7% 781,912 0.0% 0.80 3.66 7,085

PBK Bank, Inc. Stanford 23.8 11.69 0 11.61 110,358 5.8% 94,555 0.0% 1.01 4.39 1,083

United Citizens Bank & Trust Company Campbellsburg 6.3 11.68 0 11.59 107,339 0.3% 82,339 0.0% 0.64 3.33 689

Bank of Edmonson County Brownsville 18.3 11.64 0 11.80 210,823 6.1% 179,248 0.0% 1.65 4.06 3,359

First National Bank of Manchester Manchester 8.7 11.61 0 12.10 148,606 2.4% 130,189 0.0% 0.35 3.06 501

Citizens Union Bank of Shelbyville Shelbyville 24.9 11.59 0 13.16 556,937 5.9% 434,209 3.4% 1.68 3.96 8,978

Peoples Bank of Kentucky, Inc. Flemingsburg 13.2 11.53 0 11.72 265,848 3.6% 225,507 0.0% 1.05 4.21 2,784

Peoples Bank Taylorsville 23.0 11.33 0 12.07 111,861 -0.2% 95,150 0.0% 1.14 3.70 1,266

Peoples Bank Marion 29.8 11.18 0 11.39 39,127 4.1% 33,347 0.0% 0.66 4.83 253

Farmers Bank Nicholasville 5.6 11.12 0 11.47 118,117 5.4% 103,970 0.0% 0.65 4.13 771

Peoples Bank & Trust Company of Madison County Berea 37.0 11.11 0 11.29 402,760 2.5% 306,839 1.9% 0.61 3.73 2,407

King Southern Bank Chaplin 4.4 11.09 0 11.23 177,058 -0.2% 132,528 0.0% 1.66 4.65 2,938

Bank City

Top

Level

Ticker

Texas

Ratio

(%)

Leverage

Ratio

(%)

Tier 1

Shortfall

(to 8%)

TCE/

TA

(%)

Total

Assets

($000)

1-Year

Change in

Total Assets

(%)

Total

Deposits

($000)

Brokered

(%)

LTM

ROAA

(%)

NIM

(FTE)

(%)

LTM Net

Income

($000)


Sebree Deposit Bank Sebree 0.1 11.08 0 11.76 22,638 -3.0% 19,469 0.0% -0.17 3.28 -39

Central Bank of Jefferson County Lexington 14.1 10.99 0 11.72 173,585 -3.7% 137,524 7.8% 0.41 3.50 740

Franklin Bank & Trust Company Franklin 4.8 10.98 0 10.80 429,377 9.0% 356,816 0.1% 0.85 3.97 3,506

Bank of Jamestown Jamestown 17.0 10.98 0 10.53 176,987 2.3% 134,844 0.0% 0.77 3.54 1,334

Farmers State Bank Booneville 10.8 10.94 0 11.52 50,904 -0.7% 41,286 0.0% 1.10 4.07 557

Home Federal Bank Corporation Middlesboro HFBA 16.0 10.94 0 10.82 341,263 0.9% 272,788 1.1% 0.70 4.11 2,380

Owingsville Banking Company Owingsville 22.2 10.93 0 8.53 62,923 2.1% 52,865 0.0% 0.35 5.13 214

Bank of Buffalo Buffalo 16.4 10.93 0 10.99 75,538 0.1% 60,362 18.7% 2.22 3.95 1,657

Farmers National Bank of Danville Danville BYLB 14.2 10.92 0 11.18 461,682 4.2% 385,832 0.0% 1.12 3.78 4,979

Whitaker Bank, Inc. Lexington 39.9 10.90 0 11.19 1,370,880 -0.9% 1,118,144 0.0% 0.46 3.49 6,225

Republic Bank & Trust Company Louisville RBCAA 10.8 10.88 0 11.44 4,240,488 7.4% 2,869,715 10.2% 0.97 3.50 39,674

Bank of Harlan Harlan 16.9 10.84 0 10.76 139,750 7.8% 122,491 0.0% 0.25 3.46 335

Citizens National Bank of Somerset Somerset 22.6 10.77 0 10.27 388,140 6.9% 318,516 0.0% 1.33 3.71 4,946

Citizens National Bank of Paintsville Paintsville CZNL 18.1 10.70 0 10.84 629,133 9.8% 513,275 0.5% 0.81 3.44 4,658

Century Bank of Kentucky, Inc. Lawrenceburg 49.9 10.69 0 10.65 116,285 2.2% 93,995 0.0% 1.45 3.89 1,671

Citizens Bank of Northern Kentucky, Inc. Newport FFKT 27.6 10.67 0 10.86 244,443 -4.5% 197,019 0.0% 0.43 3.63 1,053

Kentucky Neighborhood Bank Elizabethtown 22.6 10.67 0 11.03 134,145 1.6% 110,425 2.4% 0.67 4.03 898

Farmers Deposit Bank Liberty 11.6 10.65 0 10.51 47,085 3.0% 39,923 0.0% 0.92 4.69 427

Bank of the Mountains, Inc. West Liberty 10.4 10.64 0 10.58 68,482 4.6% 59,572 0.0% 0.70 6.01 477

First Commonwealth Bank of Prestonsburg, Inc. Prestonsburg 4.7 10.61 0 11.12 300,142 -1.9% 224,790 0.0% 1.28 3.45 3,850

First & Farmers National Bank, Inc. Somerset 5.0 10.61 0 10.23 505,699 1.2% 417,817 0.0% 1.10 3.97 5,428

First National Bank and Trust London 6.3 10.48 0 11.65 212,993 -0.1% 176,792 0.0% 0.51 3.57 1,082

Central Bank & Trust Company Lexington 19.8 10.48 0 10.09 2,054,600 4.6% 1,696,319 0.3% 0.86 3.71 17,262

Heritage Bank USA, Inc. Hopkinsville HFBC 12.8 10.46 0 10.88 882,588 -1.3% 725,707 4.5% 0.25 3.34 2,170

First National Bank of Brooksville Brooksville 5.6 10.44 0 10.71 64,984 -0.4% 54,990 0.0% 0.55 3.32 362

Monticello Banking Company Monticello 10.3 10.40 0 10.50 568,063 4.6% 506,276 0.0% 1.11 4.03 6,119

Bank of Columbia Columbia 17.6 10.40 0 10.49 128,802 0.5% 110,541 0.0% 1.75 4.20 2,248

Magnolia Bank Hodgenville 6.9 10.37 0 11.22 178,635 3.8% 141,899 0.0% 2.45 3.67 4,279

Heritage Bank, Inc. Erlanger 26.9 10.32 0 10.39 601,291 12.6% 513,005 2.6% 0.95 4.07 5,394

Hancock Bank and Trust Company Hawesville 24.1 10.30 0 10.40 275,826 1.5% 233,223 0.0% 0.50 3.98 1,357

Traditional Bank, Inc. Mount Sterling 12.4 10.29 0 10.63 1,260,832 7.9% 1,033,783 21.4% 1.90 3.73 23,029

Bank of Hindman Hindman 11.6 10.24 0 9.72 197,290 10.9% 159,167 0.0% 0.69 2.83 1,273

Cumberland Valley National Bank & Trust Company London 15.8 10.15 0 10.52 436,144 4.2% 382,138 0.0% 0.36 3.20 1,539

First National Bank of Grayson Grayson 8.8 10.14 0 9.95 242,368 10.2% 215,736 0.0% 1.00 3.78 2,359

Bank of Lexington, Inc. Lexington 3.2 10.04 0 9.79 256,195 1.9% 199,761 3.5% 0.82 3.74 1,980

Lewisburg Banking Company Lewisburg 3.5 10.03 0 10.15 114,437 0.7% 91,465 0.0% 1.54 3.85 1,716

Stock Yards Bank & Trust Company Louisville SYBT 3.5 10.02 0 10.09 2,821,867 12.4% 2,371,879 0.0% 1.49 3.62 39,257

First Guaranty Bank Martin 21.9 9.96 0 10.12 51,103 -5.7% 44,721 0.0% 0.50 3.07 262

Citizens National Bank of Lebanon Lebanon 5.3 9.93 0 10.20 123,901 4.8% 106,104 0.0% 1.22 3.15 1,472

Farmers National Bank of Lebanon Lebanon 12.2 9.90 0 10.09 103,443 0.5% 92,326 0.0% -0.64 3.43 -665

Citizens Bank Mount Vernon 13.9 9.89 0 10.05 146,048 1.4% 119,737 0.0% 0.89 4.17 1,292

Bank City

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Texas

Ratio

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Leverage

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Tier 1

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TA

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($000)

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First Citizens Bank Elizabethtown FFKT 26.7 9.80 0 9.98 303,154 -1.7% 253,939 0.0% 1.90 3.59 5,877

Citizens First Bank, Inc. Bowling Green CZFC 6.7 9.76 0 9.74 434,594 0.8% 363,587 0.5% 0.95 3.96 4,094

West Point Bank Radcliff 6.6 9.62 0 8.71 213,828 34.9% 84,371 0.0% 0.91 3.22 1,584

Cecilian Bank Cecilia 16.5 9.54 0 9.75 628,064 2.2% 509,178 0.0% 1.03 3.55 6,297

Community Financial Services Bank Benton 6.5 9.52 0 9.37 866,053 17.6% 779,349 12.9% 1.02 4.07 8,079

Peoples Bank Lebanon 0.0 9.49 0 9.28 53,978 -1.3% 46,956 0.0% 0.63 3.65 328

Field & Main Bank Henderson 12.1 9.49 0 9.34 393,469 1.6% 327,334 0.0% 1.01 4.54 3,954

Farmers Bank & Capital Trust Company Frankfort FFKT 18.2 9.48 0 9.87 696,383 -1.1% 564,098 0.0% 0.81 3.17 5,619

Commonwealth Bank and Trust Company Louisville 12.5 9.44 0 9.66 894,188 6.0% 740,330 8.2% 0.84 3.26 7,259

Citizens Deposit Bank & Trust Vanceburg PFBI 7.3 9.39 0 9.38 393,816 1.4% 337,991 0.0% 1.01 3.61 3,944

First Capital Bank of Kentucky Louisville FCBE 9.1 9.35 0 9.23 506,591 -1.0% 383,328 14.3% 0.63 3.32 3,167

Meade County Bank Brandenburg 1.7 9.34 0 9.40 188,214 -2.0% 155,379 0.0% 1.08 3.31 2,044

Peoples Exchange Bank Winchester 11.2 9.33 0 9.07 349,262 2.5% 283,527 1.4% 0.71 4.06 2,386

First Community Bank of the Heartland, Inc. Clinton 5.6 9.27 0 9.79 180,209 4.2% 147,829 10.2% 1.05 4.16 1,909

Hometown Bank of Corbin, Inc. Corbin 14.5 9.23 0 9.27 147,562 4.9% 125,482 0.0% 0.53 4.03 754

Bluegrass Community Bank Danville 10.8 9.22 0 9.30 74,716 11.1% 62,028 0.0% 0.03 3.61 25

First Kentucky Bank, Inc. Mayfield 5.3 9.20 0 9.26 401,282 4.8% 323,742 3.3% 1.16 3.77 4,498

Auburn Banking Company Auburn 12.3 9.15 0 8.39 75,777 1.9% 66,382 0.0% 1.83 4.37 1,334

Peoples Bank and Trust Company of Clinton County Albany 29.4 8.99 0 8.97 33,467 2.3% 29,938 0.0% 0.47 4.94 155

Farmers & Traders Bank of Campton Campton 16.0 8.94 0 9.83 50,272 7.8% 43,965 0.0% 0.68 3.85 330

Murray Bank Murray 4.3 8.93 0 9.03 287,328 6.5% 258,943 0.0% 0.85 3.18 2,329

Bank of Caneyville Caneyville 3.5 8.89 0 8.92 49,883 -0.8% 45,391 0.0% 0.70 2.78 350

Morgantown Bank & Trust Company, Incorporated Morgantown 1.9 8.87 0 8.79 169,204 4.8% 148,158 0.0% 0.64 4.02 1,057

Planters Bank, Inc. Hopkinsville 7.7 8.86 0 9.14 901,274 2.1% 727,192 10.2% 1.63 3.78 14,526

1st Trust Bank, Inc. Hazard 31.2 8.86 0 8.28 218,699 15.0% 192,732 5.0% 0.53 3.59 1,065

Hyden Citizens Bank Hyden 12.3 8.76 0 9.51 131,314 5.3% 108,130 0.0% 1.00 4.17 1,282

American Bank & Trust Company, Inc. Bowling Green 11.2 8.76 0 9.17 290,106 10.8% 262,479 0.0% 0.96 3.81 2,673

Kentucky Bank Paris KTYB 11.7 8.75 0 8.97 988,677 15.6% 767,007 0.8% 0.77 3.70 7,137

United Southern Bank Hopkinsville 18.7 8.68 0 8.77 261,683 -3.0% 230,068 0.0% -0.51 3.99 -1,362

First State Financial, Inc. Middlesboro 42.0 8.67 0 8.70 337,341 -0.1% 295,708 0.7% -0.76 4.14 -2,586

FNB Bank, Inc. Mayfield 5.1 8.65 0 8.87 432,467 2.9% 379,620 6.3% 0.98 3.95 4,206

Kentucky Federal Savings and Loan Association Covington 17.9 8.53 0 8.69 35,864 0.3% 31,802 0.0% -0.06 2.90 -22

Bank of Cadiz and Trust Company Cadiz 6.2 8.36 0 8.59 109,072 2.0% 94,102 0.2% 0.41 3.38 448

Citizens Bank & Trust Co. of Jackson Jackson 22.4 8.34 0 8.32 152,256 1.1% 135,553 8.2% 0.40 4.03 612

First Southern National Bank Lancaster 17.6 8.31 0 8.28 852,019 24.7% 752,275 0.2% 0.93 4.48 7,420

Citizens Bank Morehead 15.4 8.25 0 8.08 132,257 3.5% 106,530 0.0% 0.63 3.96 815

First Security Bank, Inc. Owensboro FIIT 7.0 8.23 0 8.13 594,443 8.4% 475,946 0.0% 0.80 3.75 4,646

Peoples Bank & Trust Company of Hazard Hazard 58.1 8.22 0 8.33 275,533 -1.7% 250,731 0.0% 0.68 3.84 1,872

Wilson & Muir Bank & Trust Company Bardstown 6.5 8.08 0 8.63 464,166 5.8% 403,942 0.0% 1.52 3.69 6,990

First State Bank, Inc. Central City 11.7 8.03 0 7.90 114,298 17.9% 100,699 1.9% 1.10 4.67 1,181

Citizens Guaranty Bank Irvine 19.4 8.03 0 8.05 153,341 7.1% 125,384 0.0% 0.55 4.15 824

Bank City

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Texas

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Independence Bank of Kentucky Owensboro 4.3 7.59 7,469 7.31 1,889,943 19.8% 1,437,401 5.4% 1.81 4.20 31,134

PBI Bank, Inc. Louisville PBIB 64.5 6.39 15,023 6.03 937,444 -7.0% 866,377 0.0% -0.14 3.42 -1,322

Citizens Commerce National Bank Versailles 37.1 5.68 5,099 5.71 217,740 0.6% 175,239 0.0% 0.29 3.15 627

Bank City

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Texas

Ratio

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Ratio

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TA

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None

Kentucky Banks, Texas Ratio >75%

Bank City

Top

Level

Ticker

Texas

Ratio

(%)

Leverage

Ratio

(%)

Tier 1

Shortfall

(to 8%)

TCE/

TA

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Union Savings and Loan Association New Orleans 0.2 41.99 0 42.09 74,998 -4.1% 43,358 0.0% 0.14 2.47 108

Mutual Savings and Loan Association Metairie 0.0 28.55 0 28.20 44,331 15.5% 26,758 0.0% 0.58 4.07 235

Rayne Building and Loan Association Rayne 1.1 21.12 0 22.60 63,502 -2.8% 48,643 0.0% 0.92 3.26 597

Abbeville Building & Loan (A State-Chartered Savings Bank) Abbeville 12.6 20.10 0 21.26 67,179 10.5% 51,335 0.0% 0.77 3.07 509

St. Landry Homestead Federal Savings Bank Opelousas 32.7 20.06 0 19.92 227,915 -3.4% 171,319 2.0% 0.70 3.65 1,602

Bank of Gueydan Gueydan 3.6 18.81 0 18.73 82,171 -5.4% 66,596 0.0% 0.17 2.40 144

Evangeline Bank and Trust Company Ville Platte 13.3 18.46 0 17.96 572,268 -0.1% 452,544 0.0% 0.75 3.59 4,219

M C Bank & Trust Company Morgan City 13.6 17.70 0 18.18 344,123 -3.8% 279,177 3.6% 1.00 3.58 3,533

Fifth District Savings Bank New Orleans 3.6 17.24 0 17.20 400,197 3.8% 324,166 0.0% 0.55 3.23 2,157

Beauregard Federal Savings Bank DeRidder 8.8 17.13 0 17.41 60,518 5.4% 49,713 0.0% 2.22 4.97 1,326

Hibernia Bank New Orleans HIBE 1.3 16.96 0 16.92 117,732 8.6% 96,041 2.1% 0.20 3.34 230

Hodge Bank & Trust Company Hodge 10.4 16.49 0 16.59 67,012 -0.6% 54,961 0.0% 2.56 4.81 1,722

First National Bank of Benton Benton 3.2 16.47 0 17.53 55,296 3.7% 43,076 0.0% 0.72 3.39 402

First National Bankers Bank Baton Rouge 14.7 16.17 0 17.79 836,424 9.2% 422,476 0.0% 1.26 2.78 10,530

Tri-State Bank and Trust Haughton 1.5 15.84 0 15.75 32,135 -9.4% 27,054 0.0% 3.15 5.46 1,029

Fidelity Bank New Orleans 9.2 15.72 0 16.04 793,950 -2.2% 600,112 2.4% 0.54 4.22 4,327

MBL Bank Minden MDNB 0.8 15.49 0 15.54 320,374 5.3% 260,996 0.0% 1.45 3.54 4,428

Bank of Abbeville & Trust Company Abbeville 2.6 15.39 0 15.67 182,944 -2.3% 152,837 0.0% 0.58 3.10 1,062

Lakeside Bank Lake Charles 0.4 14.29 0 14.24 155,869 13.3% 133,167 0.0% 0.44 3.56 648

Simmesport State Bank Simmesport 17.3 14.17 0 14.58 73,338 4.2% 62,430 1.9% 1.36 5.20 991

Kaplan State Bank Kaplan 1.7 13.92 0 15.35 93,418 -2.2% 75,511 0.0% 1.60 3.79 1,496

Citizens Savings Bank Bogalusa 48.0 13.90 0 13.78 210,170 0.9% 175,357 0.0% 0.67 4.94 1,392

Citizens Bank, Ville Platte, Louisiana Ville Platte 1.5 13.67 0 13.70 252,331 -1.8% 216,620 0.0% 0.89 3.06 2,255

Eureka Homestead Metairie 4.7 13.17 0 13.44 89,028 -8.2% 47,504 0.0% 0.06 2.22 58

United Community Bank Raceland 14.8 13.17 0 12.88 546,994 -3.8% 452,132 0.0% 0.41 4.28 2,295

Highlands Bank Jackson 8.6 12.99 0 13.15 140,669 -1.8% 121,860 0.0% 0.98 3.91 1,377

Bank of Erath Erath 4.6 12.98 0 13.19 100,407 -5.3% 86,824 0.0% 0.69 4.29 693

South Louisiana Bank Houma 7.2 12.80 0 12.85 468,109 -2.2% 402,539 0.0% 1.22 3.92 5,793

Peoples Bank and Trust Company of Pointe Coupee Parish New Roads 8.2 12.70 0 12.73 213,238 -1.6% 170,204 0.0% 1.67 4.49 3,685

Mississippi River Bank Belle Chasse 0.5 12.58 0 11.75 126,041 -14.5% 110,990 0.0% 1.41 4.72 1,853

First National Bank USA Boutte 52.2 12.39 0 12.14 134,885 0.6% 106,955 0.0% 0.52 4.06 687

First American Bank and Trust Vacherie 13.0 12.33 0 12.72 863,399 4.1% 747,996 0.0% 1.34 4.10 11,340

First Federal Bank of Louisiana Lake Charles 6.5 12.31 0 12.17 813,943 -3.6% 625,806 0.3% 0.23 2.83 1,846

Jonesboro State Bank Jonesboro 3.5 12.27 0 13.87 208,750 12.1% 172,744 10.6% 1.72 3.95 3,259

Gulf Coast Bank Abbeville 13.0 12.27 0 12.05 388,629 -1.9% 340,237 2.9% 0.47 4.23 1,810

Cross Keys Bank Saint Joseph 2.5 12.18 0 13.00 324,735 1.2% 246,996 8.0% 1.38 4.07 4,421

Farmers-Merchants Bank & Trust Company Breaux Bridge 31.6 12.14 0 12.58 295,511 -2.5% 252,404 0.0% 1.17 4.38 3,500

Commercial Capital Bank Delhi 21.6 12.08 0 11.66 85,501 19.4% 75,397 0.0% 2.36 5.04 1,846

Bank of Winnfield & Trust Company Winnfield 22.0 12.01 0 10.67 143,534 -0.9% 126,013 0.0% 0.95 3.34 1,351

Tensas State Bank Newellton 10.6 11.97 0 12.82 146,458 0.1% 114,272 0.0% 1.34 3.84 1,964

Sicily Island State Bank Sicily Island 8.5 11.94 0 12.05 51,061 4.2% 37,811 13.1% 1.47 5.70 739

Citizens Bank & Trust Company Plaquemine 13.7 11.93 0 10.91 259,361 6.2% 221,654 0.0% 0.75 4.10 1,828

Louisiana Banks, Texas Ratio <75%

Bank City

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Texas

Ratio

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Leverage

Ratio

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Tier 1

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TA

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NIM

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(%)

LTM Net

Income

($000)


Southern Heritage Bank Jonesville 5.7 11.82 0 12.32 282,863 1.4% 245,690 0.0% 1.62 4.38 4,558

Citizens Bank & Trust Company of Vivian, Louisiana Vivian 24.7 11.78 0 12.52 139,902 -4.3% 120,349 0.0% 1.11 4.87 1,578

Crescent Bank & Trust New Orleans 18.2 11.66 0 11.61 1,055,897 3.9% 919,358 12.5% 1.64 12.44 16,929

Home Federal Bank Shreveport HFBL 0.2 11.64 0 11.61 362,913 1.3% 292,075 3.4% 0.96 3.68 3,470

Mer Rouge State Bank Mer Rouge 12.9 11.64 0 11.89 43,742 -3.0% 38,380 0.0% 0.48 3.35 210

Bank of Commerce White Castle 3.2 11.62 0 12.32 61,547 3.2% 53,887 0.0% 0.54 3.68 329

Concordia Bank & Trust Company Vidalia 6.1 11.58 0 11.79 518,495 -3.2% 435,563 0.0% 1.17 3.18 6,117

Jackson Parish Bank Jonesboro 7.8 11.50 0 12.93 70,690 1.3% 61,179 0.0% 0.51 3.00 357

Tri-Parish Bank Eunice 6.7 11.49 0 11.76 207,245 -3.5% 177,430 0.0% 1.43 3.46 2,954

Feliciana Bank & Trust Company Clinton FLOL 8.4 11.47 0 11.36 111,991 -0.9% 97,947 0.0% 1.27 4.31 1,415

Bank of Commerce & Trust Company Crowley 1.7 11.46 0 11.36 336,129 -2.8% 284,694 0.0% 0.60 2.43 2,055

Plaquemine Bank and Trust Company Plaquemine 17.7 11.31 0 11.31 142,119 4.9% 125,299 0.0% 0.47 3.51 631

Citizens National Bank, N.A. Bossier City CNBL 6.4 11.19 0 11.24 859,979 4.2% 733,394 0.0% 1.13 4.39 9,398

BOM Montgomery 9.9 11.07 0 11.35 284,888 29.7% 249,884 0.3% 1.78 4.80 4,295

Winnsboro State Bank & Trust Company Winnsboro 12.7 11.05 0 10.45 137,398 -0.5% 121,209 0.0% 0.72 4.37 978

Resource Bank Covington 16.4 11.03 0 10.74 587,162 4.2% 486,780 1.1% 1.15 4.59 6,602

Cottonport Bank Marksville 13.2 11.01 0 11.18 342,560 4.0% 299,370 0.0% 0.44 4.13 1,456

Peoples Bank Chatham 6.0 11.01 0 10.73 53,875 15.4% 47,890 13.3% 0.43 4.77 215

City Savings Bank & Trust Company DeRidder 3.7 10.98 0 10.90 319,413 2.3% 283,402 0.0% 2.04 4.76 6,391

Exchange Bank and Trust Company, Natchitoches, Louisiana Natchitoches 5.4 10.94 0 12.05 129,991 0.7% 114,068 0.0% 1.55 3.46 1,995

St. Landry Bank and Trust Company Opelousas 19.9 10.91 0 10.88 291,616 -1.8% 259,229 0.0% 0.52 1.76 1,515

Citizens Bank & Trust Company Covington 29.0 10.90 0 8.61 115,561 1.0% 101,835 0.0% 0.74 4.06 860

Florida Parishes Bank Hammond FPBF 14.0 10.89 0 10.89 243,426 6.2% 206,417 0.7% 1.31 5.13 3,099

Progressive Bank Monroe 1.5 10.84 0 10.69 534,438 7.2% 447,329 4.2% 0.80 4.23 4,161

First National Bank in DeRidder DeRidder 4.0 10.76 0 10.39 241,879 -0.2% 212,345 0.0% 0.73 3.88 1,741

Basile State Bank Basile 21.2 10.67 0 10.59 56,105 -3.7% 50,034 0.0% 1.91 5.48 1,077

Homeland Federal Savings Bank Columbia 15.6 10.66 0 10.20 189,479 15.3% 149,027 0.4% 2.08 5.79 3,539

Bank of St. Francisville Saint Francisville 16.4 10.60 0 10.82 110,167 -2.2% 96,926 0.0% 1.10 5.02 1,230

Washington State Bank Washington 0.1 10.59 0 10.89 169,265 -5.0% 144,192 0.0% 1.00 3.92 1,636

American Bank & Trust Company Opelousas ABNC 0.5 10.53 0 10.94 181,510 1.9% 157,249 0.0% 1.04 3.94 1,809

Rayne State Bank & Trust Company Rayne 1.1 10.52 0 10.95 367,511 -2.7% 323,187 0.0% 1.61 4.24 5,974

Investar Bank Baton Rouge ISTR 3.0 10.52 0 10.19 1,072,101 24.0% 810,026 0.0% 0.79 3.57 7,546

Metairie Bank & Trust Company Metairie MBKL 1.4 10.43 0 10.08 372,551 5.8% 332,818 0.0% 0.62 3.59 2,228

Synergy Bank Houma 27.3 10.38 0 10.24 505,804 2.0% 452,647 1.1% 1.20 3.94 5,919

Guaranty Bank and Trust Company New Roads 3.9 10.30 0 10.31 202,519 -1.2% 180,499 0.0% 1.09 4.25 2,157

First National Bank of Louisiana Crowley 0.5 10.29 0 10.39 356,019 1.1% 311,049 0.0% 1.67 4.11 5,862

Richland State Bank Rayville 7.3 10.28 0 10.38 294,415 2.1% 256,588 0.0% 1.31 4.40 3,915

Landmark Bank Clinton 30.1 10.27 0 10.66 110,679 1.7% 98,780 0.0% 0.69 4.00 751

Bank of Oak Ridge Oak Ridge 0.2 10.25 0 10.78 50,654 -11.4% 44,983 0.0% 0.27 1.95 145

Bank, The Jennings 6.4 10.24 0 10.12 223,716 7.5% 191,008 0.0% 1.17 5.30 2,467

Patterson State Bank Patterson 8.5 10.07 0 10.48 221,970 -2.5% 197,045 0.0% 0.91 4.23 2,073

Ouachita Independent Bank Monroe 5.8 9.98 0 10.43 672,529 2.9% 577,552 1.1% 1.73 3.96 11,600

Bank City

Top

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Texas

Ratio

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Leverage

Ratio

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Tier 1

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TA

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Catahoula-LaSalle Bank Jonesville 27.4 9.94 0 10.17 186,389 -5.7% 166,616 0.0% 0.91 3.49 1,717

City Bank & Trust Co. Natchitoches 1.5 9.92 0 10.30 231,582 -2.7% 205,600 0.0% 1.08 2.90 2,489

Coastal Commerce Bank Houma 10.7 9.92 0 9.98 430,579 -0.2% 384,996 0.0% 2.12 4.70 8,967

Teche Bank & Trust Company Saint Martinville 4.3 9.91 0 11.09 109,986 -1.5% 96,669 0.0% 1.27 4.45 1,406

Marion State Bank Marion 2.7 9.91 0 9.15 185,846 8.0% 164,726 0.0% 0.75 4.27 1,279

Bank of Ruston Ruston CTUY 4.6 9.90 0 9.65 220,579 29.2% 174,789 17.2% 0.92 4.38 1,724

Sabine State Bank and Trust Company Many 12.3 9.89 0 9.73 838,455 4.9% 720,360 0.2% 1.68 4.31 13,629

First NBC Bank New Orleans FNBC 7.7 9.89 0 11.03 4,953,702 21.9% 3,957,089 5.5% 1.54 3.15 68,863

Red River Bank Alexandria 3.4 9.83 0 9.62 1,562,660 6.3% 1,400,376 0.0% 0.99 3.37 14,624

Commerce Community Bank Oak Grove 1.3 9.80 0 9.91 58,243 10.2% 52,178 0.0% 0.96 3.73 528

Union Bank Marksville 19.9 9.76 0 9.70 249,155 4.0% 192,515 0.4% 1.67 4.29 4,074

American Bank & Trust Company, Inc. Covington 18.8 9.75 0 9.94 112,496 -3.3% 101,080 0.0% 0.13 3.62 147

Business First Bank Baton Rouge 10.1 9.75 0 9.30 1,155,424 57.2% 978,732 10.0% 0.49 3.73 5,341

First National Bank of Jeanerette Jeanerette 7.1 9.74 0 10.08 232,734 0.5% 208,353 0.0% 1.59 4.71 3,631

Merchants & Farmers Bank & Trust Company Leesville 6.4 9.65 0 9.64 375,226 23.7% 280,724 0.0% 0.58 3.83 2,101

Community First Bank New Iberia 3.6 9.64 0 10.10 323,009 -4.2% 289,605 0.0% 1.72 4.39 5,648

Heritage Bank of St. Tammany Covington 20.0 9.63 0 9.67 97,425 8.4% 74,564 0.1% 0.31 3.27 288

Caldwell Bank & Trust Company Columbia 32.6 9.63 0 9.35 182,760 11.1% 155,689 3.2% 1.48 5.38 2,528

Gibsland Bank & Trust Company Gibsland 24.2 9.61 0 9.53 371,582 9.9% 330,443 0.0% 1.06 4.83 3,848

Farmers State Bank & Trust Company Church Point 5.4 9.59 0 9.72 107,531 4.8% 96,844 0.0% 1.37 4.87 1,434

Anthem Bank & Trust Plaquemine 33.6 9.54 0 9.32 148,814 8.3% 101,367 0.0% 0.43 3.26 590

Bank of Zachary Zachary 6.1 9.49 0 9.33 225,967 8.7% 203,898 0.0% 0.82 3.97 1,691

First Guaranty Bank Hammond FGBI 17.9 9.48 0 9.66 1,465,879 -5.1% 1,316,373 1.6% 0.92 3.34 13,459

First Bank and Trust New Orleans 13.4 9.39 0 5.81 798,487 6.7% 691,755 0.0% 1.26 4.22 9,818

MidSouth Bank, National Association Lafayette MSL 29.8 9.38 0 9.39 1,916,178 -3.8% 1,573,646 0.0% 0.63 4.38 12,234

Bank of Sunset and Trust Company Sunset 9.0 9.37 0 9.57 132,911 7.3% 118,583 3.1% 0.90 3.85 1,134

Origin Bank Ruston 17.9 9.35 0 9.71 3,842,972 2.3% 3,299,503 9.0% 0.51 3.37 19,655

Bank of Coushatta Coushatta 10.7 9.26 0 10.37 205,362 -4.6% 183,767 0.0% 1.14 3.22 2,300

Vermilion Bank & Trust Company Kaplan 11.4 9.24 0 10.22 109,639 -4.8% 96,824 0.0% 1.48 4.21 1,708

Colfax Banking Company Colfax 0.9 9.23 0 9.84 102,542 7.8% 92,221 0.0% 1.10 4.06 1,085

Iberville Bank Plaquemine 15.3 9.19 0 9.21 266,428 5.6% 239,503 0.0% 0.33 3.82 837

IBERIABANK Lafayette IBKC 13.6 9.17 0 9.02 20,014,851 22.5% 16,398,801 9.1% 0.87 3.63 166,286

Guaranty Bank & Trust Company of Delhi Delhi 4.0 9.11 0 8.94 203,973 8.3% 161,451 0.0% 2.45 5.11 4,790

St. Martin Bank and Trust Company Saint Martinville 11.2 9.09 0 8.83 558,788 4.8% 479,530 2.6% 2.46 5.33 13,213

Home Bank, National Association Lafayette HBCP 8.9 8.97 0 8.99 1,543,034 25.1% 1,269,518 4.2% 0.93 4.48 13,140

Citizens Progressive Bank Winnsboro 43.4 8.94 0 8.39 144,967 30.2% 125,220 7.2% 1.36 4.73 1,683

Progressive National Bank Mansfield 1.7 8.84 0 8.62 42,625 1.2% 38,780 0.0% 0.53 3.49 222

JD Bank Jennings JDVB 9.3 8.74 0 8.75 823,594 6.5% 704,894 0.0% 0.71 4.58 5,645

Gulf Coast Bank and Trust Company New Orleans 23.3 8.61 0 7.90 1,373,361 9.1% 1,212,577 9.7% 1.89 5.75 25,353

Franklin State Bank & Trust Company Winnsboro 3.0 8.48 0 8.64 157,678 -3.9% 131,643 0.0% -1.04 4.39 -1,677

Liberty Bank and Trust Company New Orleans 18.9 8.25 0 6.49 613,660 -1.6% 542,938 3.5% 0.30 4.13 1,812

Community Bank of Louisiana Mansfield 4.6 8.24 0 8.72 420,357 -0.4% 383,293 0.0% 1.09 3.25 4,667

Bank City

Top

Level

Ticker

Texas

Ratio

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Leverage

Ratio

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Tier 1

Shortfall

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TA

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($000)

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ROAA

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NIM

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Income

($000)


First National Bank Arcadia 10.1 8.13 0 8.19 231,751 5.8% 198,887 12.6% 1.69 5.20 3,768

Delta Bank Vidalia 4.3 8.03 0 8.30 260,743 -0.6% 237,307 0.6% 1.62 4.54 4,132

Bank City

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Level

Ticker

Texas

Ratio

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Ratio

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TA

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State Bank & Trust Company Golden Meadow 82.1 10.09 0 10.41 128,668 -6.7% 114,919 0.0% 0.17 3.98 237

South Lafourche Bank & Trust Company Larose 76.0 10.63 0 10.56 165,323 -0.8% 146,114 0.0% 0.58 3.77 950

Bank of Louisiana New Orleans BOLB 92.6 11.00 0 11.97 79,261 0.8% 69,307 0.0% -1.47 6.96 -1,160

Louisiana Banks, Texas Ratio >75%

Bank City

Top

Level

Ticker

Texas

Ratio

(%)

Leverage

Ratio

(%)

Tier 1

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TA

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Change in

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(%)

LTM

ROAA

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NIM

(FTE)

(%)

LTM Net

Income

($000)

Homewood Federal Savings Bank Baltimore 6.6 25.21 0 25.36 58,534 -7.3% 43,603 0.0% 0.64 3.58 386

Rosedale Federal Savings and Loan Association Baltimore 17.6 24.97 0 24.71 816,293 1.3% 611,312 0.0% 1.02 3.61 8,165

Saint Casimir's Savings Bank Baltimore 1.3 21.44 0 20.99 92,777 -2.8% 71,596 0.0% -0.62 2.15 -582

Madison Bank of Maryland Forest Hill MBCQ 20.6 18.28 0 18.01 139,351 -1.3% 100,248 0.0% -0.48 2.60 -672

Calvin B. Taylor Banking Company of Berlin, Maryland Berlin TYCB 9.8 16.55 0 16.57 466,178 2.7% 382,388 0.0% 0.96 3.23 4,481

Kopernik Bank Baltimore 49.8 16.26 0 16.25 67,959 -0.2% 56,779 1.0% 0.60 3.29 402

Severn Savings Bank, FSB Annapolis SVBI 27.1 15.03 0 15.01 761,831 -2.1% 530,111 0.0% 0.79 3.21 6,079

Fraternity Federal Savings and Loan Association Baltimore FRTR 8.7 14.53 0 14.59 160,939 -1.9% 116,389 0.0% -0.30 2.63 -487

Midstate Community Bank Baltimore 25.0 14.08 0 13.97 168,443 -4.4% 144,519 0.0% 0.18 2.93 310

Hopkins Federal Savings Bank Baltimore 13.4 13.85 0 15.00 229,124 -10.7% 193,674 0.0% 0.32 2.04 731

Bay Bank, FSB Columbia BYBK 14.4 13.74 0 14.23 463,416 -4.9% 365,975 4.4% 0.40 4.62 1,933

First Shore Federal Savings and Loan Association Salisbury 11.5 13.73 0 13.87 305,257 1.2% 252,626 0.0% 0.47 3.33 1,410

Jarrettsville Federal Savings and Loan Association Jarrettsville 15.4 13.71 0 13.53 117,149 1.9% 90,967 0.0% 0.09 2.93 102

Arundel Federal Savings Bank Glen Burnie 4.4 13.61 0 13.66 456,264 -2.7% 391,661 0.0% 0.30 2.45 1,398

North Arundel Savings Bank Pasadena 31.5 12.01 0 11.94 43,619 1.2% 38,355 0.0% 0.43 3.86 188

Bay-Vanguard FSB (MHC) Sparrows Point BVFL 27.1 11.90 0 12.07 169,344 -0.7% 143,027 0.0% 0.33 4.08 557

Queenstown Bank of Maryland Queenstown 21.2 11.90 0 11.67 455,063 4.1% 399,342 0.1% 1.16 4.18 5,173

Hamilton Bank Towson HBK 16.7 11.78 0 11.68 387,061 35.8% 316,859 1.1% 0.28 3.06 929

Chesapeake Bank of Maryland Baltimore 11.6 11.64 0 12.40 172,525 0.0% 150,100 0.0% 0.33 3.51 571

Community Bank of the Chesapeake Waldorf TCFC 23.9 11.52 0 11.31 1,174,223 8.0% 950,200 15.7% 0.75 3.65 8,326

Farmers Bank of Willards Willards 47.7 11.38 0 11.29 316,534 4.2% 249,424 0.0% 0.75 4.43 2,328

1880 Bank Cambridge DLMV 37.1 11.35 0 11.25 314,601 61.9% 269,176 0.0% 0.77 3.63 2,212

County First Bank La Plata CUMD 37.8 10.85 0 10.83 226,001 3.8% 198,412 3.3% 0.54 3.48 1,195

EagleBank Bethesda EGBN 3.8 10.85 0 10.70 6,118,988 11.7% 5,258,119 22.5% 1.56 4.42 90,463

First United Bank & Trust Oakland FUNC 22.6 10.84 0 9.56 1,305,913 -2.1% 1,019,868 7.6% 1.01 3.20 13,219

Farmers and Merchants Bank Upperco FMFG 9.6 10.82 0 10.76 347,765 6.2% 276,198 3.1% 1.27 4.39 4,276

Harford Bank Aberdeen HFBK 27.3 10.80 0 10.68 320,608 6.4% 256,724 2.2% 0.63 3.63 1,973

CFG Community Bank Baltimore 1.5 10.53 0 12.64 616,676 -20.4% 518,485 1.4% 2.76 5.10 18,201

Carroll Community Bank Sykesville CROL 2.7 10.27 0 10.19 155,089 29.0% 121,170 14.0% 0.20 3.61 278

Frederick County Bank Frederick FCBI 18.9 10.27 0 10.01 361,746 3.3% 309,404 5.5% 0.57 3.63 2,000

Talbot Bank of Easton, Maryland Easton SHBI 25.5 10.24 0 11.40 615,415 4.2% 538,794 2.9% 0.66 3.27 3,982

Maryland Financial Bank Towson 31.5 10.13 0 7.32 56,010 -1.4% 36,465 4.6% -0.34 3.14 -189

Peoples Bank Chestertown PEBC 38.3 10.11 0 10.06 237,154 3.5% 199,814 0.0% 0.53 3.17 1,238

Middletown Valley Bank Middletown 13.2 10.09 0 9.62 260,414 40.7% 229,144 1.9% 0.11 3.49 240

CNB Centreville SHBI 15.0 10.09 0 10.08 492,543 2.3% 435,451 1.0% 0.77 3.69 3,750

Revere Bank Laurel 2.0 10.06 0 7.87 1,173,450 63.7% 991,988 12.2% 0.77 3.87 6,207

Colombo Bank Rockville IFSB 15.2 10.03 0 10.11 199,619 -2.0% 143,854 20.4% 0.17 3.41 339

Bank of Ocean City Ocean City 2.4 9.96 0 9.98 286,921 15.0% 257,026 10.8% 0.80 3.18 2,251

Congressional Bank Bethesda 13.3 9.87 0 9.68 793,668 74.1% 690,634 4.2% 0.73 4.64 4,050

Presidential Bank, FSB Bethesda 41.6 9.76 0 9.23 564,150 -0.2% 501,294 0.0% 0.91 3.95 4,951

Columbia Bank Columbia FULT 9.0 9.60 0 9.52 2,151,306 1.0% 1,715,513 0.3% 0.90 3.27 19,045

Maryland Banks, Texas Ratio <75%

Bank City

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Level

Ticker

Texas

Ratio

(%)

Leverage

Ratio

(%)

Tier 1

Shortfall

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TCE/

TA

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($000)

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Brokered

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LTM

ROAA

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NIM

(FTE)

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LTM Net

Income

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Maryland Banks, Texas Ratio <75%

First Mariner Bank Baltimore 21.1 9.53 0 5.53 932,558 12.4% 784,880 0.0% -0.63 3.51 -5,518

New Windsor State Bank Taneytown NWID 6.7 9.44 0 9.56 292,782 2.4% 252,827 0.0% 0.67 3.91 1,953

Bank of Delmarva Salisbury DBCP 32.8 9.44 0 9.19 502,034 9.5% 421,816 7.4% 0.84 3.90 4,027

Capital Bank, National Association Rockville 10.2 9.31 0 9.10 770,610 16.1% 662,794 13.6% 1.17 5.22 8,158

Monument Bank Rockville 12.6 9.07 0 7.85 513,820 10.9% 405,076 10.3% 0.65 3.86 3,205

Sandy Spring Bank Olney SASR 8.0 9.02 0 9.02 4,710,656 7.1% 3,427,236 0.0% 1.00 3.38 45,698

Howard Bank Ellicott City HBMD 14.9 8.99 0 8.39 990,326 39.4% 815,769 7.5% 0.21 4.05 1,781

Chesapeake Bank & Trust Company Chestertown CPKB 26.5 8.78 0 8.64 112,118 15.9% 77,060 0.0% 1.25 3.38 1,294

Bank of Glen Burnie Glen Burnie GLBZ 8.9 8.75 0 8.74 392,993 -1.8% 337,716 0.0% 0.33 3.10 1,309

Old Line Bank Bowie OLBK 8.5 8.62 0 8.89 1,515,859 19.6% 1,233,933 11.9% 0.78 3.85 10,818

Hebron Savings Bank Hebron 74.7 8.44 0 8.43 561,634 3.5% 462,545 0.0% 0.62 3.76 3,464

Damascus Community Bank Damascus DMAS 16.5 8.31 0 8.35 300,486 3.7% 269,086 2.2% 0.29 3.42 840

Woodsboro Bank Woodsboro 15.1 8.30 0 8.88 236,979 1.8% 204,917 0.0% 0.29 3.52 682

Provident State Bank, Inc. Preston PSBP 25.7 8.14 0 8.03 326,717 11.8% 269,476 4.5% 0.34 3.79 1,048

Harbor Bank of Maryland Baltimore HRBK 39.7 7.91 233 9.48 266,014 15.1% 233,448 0.0% -0.33 3.72 -829

Glen Burnie Mutual Savings Bank Glen Burnie 14.7 7.88 105 7.89 87,499 3.6% 80,495 0.0% 0.18 0.97 158

Bank City

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Texas

Ratio

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Leverage

Ratio

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TA

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Assets

($000)

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ROAA

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LTM Net

Income

($000)

Cecil Bank Elkton CECB 542.8 2.09 15,678 2.33 253,189 -20.9% 192,724 0.0% -1.98 2.88 -5,672

Eastern Savings Bank, FSB Hunt Valley 205.4 17.16 0 17.39 349,318 -11.1% 254,800 0.4% 1.40 6.46 5,177

Maryland Banks, Texas Ratio >75%

Bank City

Top

Level

Ticker

Texas

Ratio

(%)

Leverage

Ratio

(%)

Tier 1

Shortfall

(to 8%)

TCE/

TA

(%)

Total

Assets

($000)

1-Year

Change in

Total Assets

(%)

Total

Deposits

($000)

Brokered

(%)

LTM

ROAA

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NIM

(FTE)

(%)

LTM Net

Income

($000)

First Federal Savings and Loan Association Aberdeen 0.6 22.10 0 21.89 30,428 0.5% 23,721 0.0% 0.34 2.74 103

Jefferson Bank Greenville 0.7 17.93 0 17.63 100,957 -1.4% 82,467 12.5% 1.29 4.76 1,417

Grand Bank for Savings, FSB Hattiesburg 54.7 15.82 0 14.74 86,298 -4.3% 72,364 10.1% 0.95 6.79 842

Bank of Wiggins Wiggins 10.8 14.89 0 14.88 189,749 -1.1% 160,526 0.0% 0.87 4.01 1,625

Bank of Walnut Grove Walnut Grove 0.3 14.54 0 14.37 57,549 2.8% 49,039 0.0% 0.98 4.14 555

Bank of Holly Springs Holly Springs 16.9 13.97 0 14.45 212,975 -1.8% 179,004 0.0% 1.63 5.06 3,458

Bank of Forest Forest 9.0 13.88 0 13.69 159,478 7.7% 136,199 0.0% 0.94 4.03 1,408

Richton Bank & Trust Company Richton 5.4 13.77 0 15.27 60,169 -7.1% 50,682 0.0% 0.90 3.89 554

Peoples Bank & Trust Company North Carrollton 0.0 13.58 0 13.43 70,693 4.6% 61,014 0.0% 0.94 2.68 631

Pike National Bank McComb 22.8 13.45 0 13.13 228,835 8.9% 178,260 0.0% 0.97 4.43 2,073

Bank of Morton Morton 16.4 13.40 0 13.36 66,278 1.7% 53,411 0.0% 2.79 5.53 1,794

First National Bank of Picayune Picayune 22.8 13.30 0 13.63 206,986 2.0% 178,453 0.0% 2.33 4.44 4,786

First Choice Bank Pontotoc 5.1 13.23 0 12.77 282,369 1.7% 243,285 0.0% 0.71 3.75 1,915

Farmers and Merchants Bank Baldwyn 11.5 12.90 0 13.33 304,747 3.4% 258,889 0.0% 1.07 4.80 3,183

Peoples Bank, Biloxi, Mississippi Biloxi PFBX 27.4 12.73 0 12.87 696,915 -3.4% 581,255 0.9% -0.45 3.15 -3,066

BNA Bank New Albany 17.5 12.43 0 12.25 462,753 5.6% 394,841 0.0% 1.34 3.69 5,898

FNB Oxford Oxford 2.5 12.37 0 12.58 272,645 6.8% 230,904 0.0% 0.85 3.71 2,222

Holmes County Bank & Trust Company Lexington 41.8 12.12 0 12.28 114,366 -2.3% 98,222 0.0% 0.58 2.91 654

Commerce Bank Corinth 2.4 11.91 0 12.31 103,214 5.7% 90,227 0.0% 1.80 4.23 1,798

First Commercial Bank Jackson 5.4 11.81 0 11.23 391,771 31.7% 323,857 20.7% 0.75 3.58 2,779

First National Bank of Clarksdale Clarksdale 3.9 11.79 0 11.62 361,630 -1.8% 297,653 0.0% 1.22 3.78 4,384

Guaranty Bank and Trust Company Belzoni 20.1 11.72 0 11.36 659,647 2.5% 577,460 0.0% 1.59 4.19 9,980

OmniBank Bay Springs 35.3 11.63 0 11.74 46,781 -2.6% 41,098 0.0% 0.40 4.21 188

Amory Federal Savings and Loan Association Amory 13.2 11.49 0 11.56 89,794 -5.3% 79,269 0.0% 0.39 3.13 361

First State Bank Waynesboro 1.3 11.41 0 11.66 778,266 0.1% 618,963 0.0% 1.18 3.83 9,094

Bank of Benoit Benoit 8.3 11.38 0 11.54 16,701 -14.3% 14,721 0.0% 0.30 3.96 53

Bank of Anguilla Anguilla 13.7 11.34 0 10.84 131,356 -1.9% 110,108 0.0% 0.66 4.57 864

Charter Bank Biloxi 42.6 11.32 0 11.71 125,535 7.7% 101,078 3.5% 0.11 4.71 129

Citizens Bank Byhalia 2.9 11.14 0 11.51 73,355 1.4% 64,583 0.0% 0.51 3.59 374

Century Bank Lucedale 7.7 11.13 0 11.17 265,873 3.3% 221,857 0.0% 1.04 4.91 2,729

Merchants & Marine Bank Pascagoula MMPM 8.5 11.03 0 10.41 613,910 -0.7% 505,645 1.6% 0.85 3.29 4,917

Citizens National Bank of Meridian Meridian 11.0 10.78 0 11.50 1,220,099 6.7% 1,055,329 0.6% 1.42 3.63 16,578

First Security Bank Batesville 13.1 10.77 0 10.69 561,310 5.6% 484,559 1.1% 0.93 4.05 4,889

Merchants & Farmers Bank Holly Springs 25.3 10.64 0 10.71 98,651 4.6% 86,744 0.0% 0.66 3.45 624

First American National Bank Iuka 9.6 10.60 0 10.33 261,371 -2.1% 228,782 0.0% 0.36 3.64 942

Bank of Brookhaven Brookhaven 3.4 10.58 0 11.01 160,065 5.1% 139,519 0.0% 0.91 3.99 1,387

Bank of Okolona Okolona 12.9 10.44 0 11.13 168,919 9.0% 145,294 0.0% 2.14 5.34 3,362

Copiah Bank, National Association Hazlehurst 30.5 10.38 0 10.53 175,687 4.5% 156,158 0.0% 0.66 4.64 1,130

PriorityOne Bank Magee 10.9 10.30 0 10.29 615,316 5.1% 502,523 0.2% 1.70 4.18 10,084

Citizens Bank Columbia 16.0 10.29 0 9.74 394,826 -0.8% 345,414 0.0% 1.49 4.56 5,933

Bank of Yazoo City Yazoo City 2.5 10.28 0 9.95 249,257 4.2% 222,135 0.0% 0.83 3.54 2,008

Mechanics Bank Water Valley 39.7 10.23 0 10.23 220,214 0.5% 195,995 1.2% 0.58 4.00 1,252

Cleveland State Bank Cleveland 3.6 10.18 0 9.49 227,676 4.5% 199,895 0.0% 0.77 4.06 1,658

Oxford University Bank Oxford 7.2 10.03 0 10.06 123,384 3.4% 107,821 5.2% 0.71 3.87 860

Mississippi Banks, Texas Ratio <75%

Bank City

Top

Level

Ticker

Texas

Ratio

(%)

Leverage

Ratio

(%)

Tier 1

Shortfall

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TCE/

TA

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Assets

($000)

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NIM

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($000)

Mississippi Banks, Texas Ratio <75%

Peoples Bank Ripley 0.2 9.98 0 10.01 396,756 8.1% 343,516 0.0% 1.31 3.21 5,032

Commercial Bank De Kalb 14.5 9.88 0 9.81 138,636 5.2% 123,548 0.2% 0.43 4.53 564

Trustmark National Bank Jackson TRMK 12.9 9.80 0 9.38 12,774,031 4.9% 9,648,956 0.4% 0.94 3.65 116,210

Magnolia State Bank Bay Springs 8.4 9.71 0 9.57 316,281 -1.9% 284,260 0.2% 0.95 4.21 2,970

United Mississippi Bank Natchez 14.5 9.71 0 9.71 351,945 -2.2% 313,193 0.6% 1.11 4.30 3,890

BancorpSouth Bank Tupelo BXS 6.8 9.71 0 9.31 13,913,587 2.1% 11,511,182 0.0% 0.90 3.59 122,948

First Southern Bank Columbia 18.8 9.71 0 9.89 194,836 -0.6% 174,419 0.0% 0.78 4.21 1,492

Bank of Winona Winona 11.7 9.68 0 11.02 116,369 0.0% 100,002 0.0% 0.72 3.80 825

Tallahatchie County Bank Charleston 13.6 9.55 0 9.47 62,166 -2.5% 56,210 0.0% 0.34 3.33 204

Sycamore Bank Senatobia 20.1 9.55 0 9.13 221,136 7.1% 199,387 0.4% 0.83 4.11 1,689

Bank of Commerce Greenwood 6.0 9.50 0 9.66 343,871 -2.5% 281,892 0.0% 1.36 4.09 4,620

First State Bank Holly Springs 38.2 9.44 0 9.48 117,727 -2.2% 106,109 0.0% 0.72 3.81 812

Great Southern Bank Meridian 3.4 9.38 0 9.40 290,269 0.7% 261,838 0.0% 0.79 4.65 2,226

First Bank McComb 4.7 9.36 0 8.80 480,751 17.3% 435,947 3.9% 1.12 3.15 4,747

Planters Bank & Trust Company Indianola 16.0 9.30 0 8.94 1,054,084 23.3% 941,173 0.1% 1.06 3.41 9,158

RiverHills Bank Port Gibson 15.1 9.27 0 8.89 316,005 2.4% 256,402 0.0% 1.27 3.17 3,813

BankPlus Belzoni 28.1 9.22 0 8.95 2,734,298 5.1% 2,210,828 0.0% 0.83 3.66 21,480

Community Bank, North Mississippi Amory 18.1 9.22 0 9.08 539,453 10.3% 478,849 0.0% 0.29 3.23 1,462

Bank of Franklin Meadville 18.6 9.17 0 9.97 134,479 1.8% 120,407 0.0% 0.79 4.39 1,061

Peoples Bank Mendenhall 37.2 9.11 0 9.12 271,143 8.3% 237,517 4.9% 1.88 5.78 4,755

Citizens Bank of Philadelphia, Mississippi Philadelphia CIZN 19.0 8.98 0 8.26 1,001,843 5.9% 792,610 0.0% 0.80 3.29 7,709

Covington County Bank Collins 7.8 8.97 0 10.07 69,329 5.4% 61,780 0.0% 0.60 3.80 413

Bank of Kilmichael Kilmichael 16.7 8.88 0 9.39 156,154 12.4% 139,188 0.0% 1.46 4.35 2,132

Renasant Bank Tupelo RNST 13.8 8.86 0 8.41 8,123,037 38.5% 6,437,733 2.7% 1.06 4.25 78,115

State Bank & Trust Company Ridgeland 9.7 8.77 0 8.73 1,001,112 1.7% 836,427 3.8% 0.68 4.02 6,724

BankFirst Financial Services Columbus 19.8 8.75 0 8.63 914,562 23.5% 820,945 5.8% 0.76 3.80 6,374

Whitney Bank Gulfport HBHC 15.7 8.68 0 8.21 22,711,951 10.2% 18,709,067 3.9% 0.49 3.32 107,149

First Federal Savings and Loan Association of Pascagoula-Moss Point Pascagoula 11.7 8.67 0 8.69 289,356 0.3% 182,489 0.0% 0.35 3.27 994

Community Bank Ellisville 21.6 8.34 0 8.13 713,843 3.5% 639,386 0.0% 1.14 3.82 7,758

First, A National Banking Association Hattiesburg FBMS 13.2 8.34 0 8.24 1,241,393 8.4% 1,035,529 2.9% 0.90 3.78 10,245

Community Bank of Mississippi Forest 18.8 8.31 0 8.12 755,939 7.4% 682,179 0.1% 0.99 4.83 7,116

Merchants and Planters Bank Raymond 8.6 8.17 0 8.78 91,677 -1.5% 83,466 0.2% 0.25 2.67 224

Community Bank, Coast Biloxi 27.2 8.15 0 8.02 769,897 4.9% 688,207 8.6% 0.62 3.71 4,599

Metropolitan Bank Ridgeland 5.2 7.97 344 7.51 1,093,014 9.2% 918,897 32.0% 0.65 3.10 6,398

Citizens Bank & Trust Company Marks 24.6 7.85 202 9.43 136,782 1.9% 103,317 0.0% 0.55 4.05 752

Bank City

Top

Level

Ticker

Texas

Ratio

(%)

Leverage

Ratio

(%)

Tier 1

Shortfall

(to 8%)

TCE/

TA

(%)

Total

Assets

($000)

1-Year

Change in

Total Assets

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Deposits

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Brokered

(%)

LTM

ROAA

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NIM

(FTE)

(%)

LTM Net

Income

($000)

None

Mississippi Banks, Texas Ratio >75%

Bank City

Top

Level

Ticker

Texas

Ratio

(%)

Leverage

Ratio

(%)

Tier 1

Shortfall

(to 8%)

TCE/

TA

(%)

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Assets

($000)

1-Year

Change in

Total Assets

(%)

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Deposits

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Brokered

(%)

LTM

ROAA

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NIM

(FTE)

(%)

LTM Net

Income

($000)

Morganton Savings Bank, S.S.B. Morganton 17.1 32.00 0 30.62 78,215 -1.4% 51,916 0.0% 0.06 3.60 51

Roanoke Valley Savings Bank, SSB Roanoke Rapids 8.1 25.77 0 25.96 37,171 -3.7% 26,760 0.0% 0.17 2.10 65

Piedmont Federal Savings Bank Winston-Salem 0.3 25.06 0 25.05 896,761 -2.0% 666,199 0.0% 0.30 2.56 2,764

First Savings and Loan Association Mebane 0.2 23.18 0 23.17 51,151 -8.7% 38,793 0.0% 0.46 3.81 246

Wake Forest Federal Savings and Loan Association (MHC) Wake Forest WAKE 3.3 21.57 0 21.51 105,419 -3.1% 81,337 0.0% 0.79 3.01 845

Roxboro Savings Bank, SSB Roxboro 14.2 18.67 0 18.84 216,128 1.3% 151,073 0.0% 1.02 3.25 2,174

Jackson Savings Bank, SSB Sylva 9.1 18.54 0 18.60 34,814 4.1% 28,216 0.0% 0.09 3.02 30

Belmont Federal Savings and Loan Association Belmont 8.0 18.50 0 18.52 94,806 -1.2% 76,910 0.0% 0.51 3.37 489

Roanoke Rapids Savings Bank, SSB Roanoke Rapids 4.9 17.02 0 17.43 51,280 -6.4% 40,047 1.6% 0.28 3.65 151

Hertford Savings Bank, SSB Hertford 18.4 15.69 0 15.57 12,810 -5.5% 10,811 0.0% 0.05 3.94 7

First Federal Savings Bank of Lincolnton Lincolnton 11.6 14.86 0 14.64 351,959 -0.7% 298,755 4.1% 0.93 3.49 3,248

First Capital Bank Laurinburg FCPB 33.8 14.80 0 15.09 52,182 0.3% 44,106 9.1% 0.64 5.62 335

Tarboro Savings Bank, SSB Tarboro 1.3 14.73 0 14.64 43,366 -0.7% 36,890 0.0% 0.77 3.71 339

Surrey Bank & Trust Mount Airy SRYB 9.6 14.54 0 14.71 260,504 1.9% 216,974 2.3% 1.21 4.19 3,169

BlueHarbor Bank Mooresville BLHK 5.0 14.43 0 14.34 159,589 15.6% 134,081 11.0% 0.68 4.07 1,026

Yadkin Bank Statesville YDKN 8.8 13.25 0 9.89 7,419,334 74.1% 5,356,965 14.4% 0.99 4.30 45,616

Black Mountain Savings Bank, SSB Black Mountain 2.3 13.00 0 12.89 36,971 0.8% 31,610 0.0% 0.28 3.08 103

First Federal Bank Dunn 11.1 12.26 0 11.99 166,697 3.9% 145,240 1.1% 0.18 3.37 288

Mechanics and Farmers Bank Durham MFBP 73.1 12.04 0 11.71 304,346 2.3% 263,051 35.5% 0.21 3.50 636

Select Bank & Trust Company Dunn SLCT 10.1 11.93 0 12.02 829,822 11.0% 668,013 6.0% 0.89 4.29 7,001

Entegra Bank Franklin ENFC 17.2 11.74 0 12.40 1,054,516 14.8% 737,163 0.4% 2.34 3.20 22,932

Asheville Savings Bank, SSB Asheville ASBB 13.3 11.62 0 11.03 782,460 1.4% 631,672 2.6% 0.56 3.11 4,428

High Point Bank and Trust Company High Point HPTB 8.2 11.19 0 11.37 852,148 2.7% 701,432 2.6% 0.62 3.38 5,112

Capital Bank Corporation Raleigh CBF 8.8 11.10 0 11.45 7,482,864 7.3% 6,028,409 9.5% 0.83 3.85 59,738

Farmers & Merchants Bank Salisbury 31.8 11.07 0 10.80 562,203 5.4% 496,715 0.0% 0.55 3.77 2,987

Peoples Bank Newton PEBK 6.5 10.94 0 11.33 1,068,148 2.0% 858,309 0.8% 0.99 4.03 10,279

Union Bank & Trust Company Oxford 12.9 10.80 0 8.23 283,692 11.8% 234,883 14.5% 0.50 4.91 1,308

Lumbee Guaranty Bank Pembroke 27.7 10.70 0 10.27 324,505 4.7% 282,411 1.6% 0.68 4.24 2,117

Park Sterling Bank Charlotte PSTB 4.0 10.62 0 10.47 3,145,141 31.7% 2,504,805 6.6% 0.74 3.79 19,327

Four Oaks Bank & Trust Company Four Oaks FOFN 8.1 10.52 0 11.58 720,337 -6.1% 563,926 7.3% 2.82 3.63 20,084

Providence Bank Rocky Mount 6.8 10.50 0 10.36 258,099 11.3% 222,205 22.7% 0.96 3.74 2,347

NewDominion Bank Charlotte 26.5 10.46 0 3.86 312,446 5.9% 261,453 0.0% -1.19 3.33 -3,557

First Bank Southern Pines FBNC 21.2 10.33 0 9.75 3,381,924 5.1% 2,831,393 2.5% 0.89 4.12 28,992

HomeTrust Bank Asheville HTBI 17.0 10.32 0 11.11 2,741,446 6.1% 1,850,092 0.8% 0.40 3.35 10,842

Lifestore Bank (MHC) West Jefferson LSFG 23.6 10.29 0 10.48 265,383 3.8% 194,087 0.5% 0.56 3.42 1,441

New Republic Savings Bank Roanoke Rapids 23.2 10.27 0 10.50 62,224 6.2% 47,630 12.5% 0.86 4.96 511

Uwharrie Bank Albemarle UWHR 17.1 10.23 0 8.26 516,307 0.6% 457,059 0.0% 0.51 3.64 2,660

Bank of Oak Ridge Oak Ridge BKOR 8.5 10.07 0 10.37 364,192 1.2% 321,922 10.2% 0.83 3.94 2,944

Great State Bank Wilkesboro GSTB 2.0 9.99 0 10.03 110,791 12.9% 98,859 2.5% 0.41 3.39 426

Little Bank Kinston LTLB 3.9 9.85 0 9.89 360,404 3.8% 297,742 7.6% 0.90 3.50 3,180

Carolina Bank Greensboro CLBH 26.8 9.74 0 9.84 705,469 -0.8% 604,475 3.6% 0.80 3.72 5,540

Bank of North Carolina High Point BNCN 10.5 9.72 0 9.67 5,698,749 36.6% 4,785,824 25.8% 1.09 4.21 55,451

Fidelity Bank Fuquay-Varina 3.9 9.69 0 9.34 1,752,564 5.6% 1,553,886 0.0% 0.51 2.92 8,628

North Carolina Banks, Texas Ratio <75%

Bank City

Top

Level

Ticker

Texas

Ratio

(%)

Leverage

Ratio

(%)

Tier 1

Shortfall

(to 8%)

TCE/

TA

(%)

Total

Assets

($000)

1-Year

Change in

Total Assets

(%)

Total

Deposits

($000)

Brokered

(%)

LTM

ROAA

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NIM

(FTE)

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LTM Net

Income

($000)

North Carolina Banks, Texas Ratio <75%

CommunityOne Bank, National Association Asheboro COB 18.6 9.62 0 13.93 2,380,845 6.9% 1,955,915 2.9% 0.53 3.41 12,328

Taylorsville Savings Bank, SSB Taylorsville 33.1 9.59 0 9.33 99,720 3.8% 88,110 0.0% 1.76 3.69 1,743

KS Bank, Inc. Smithfield KSBI 16.1 9.57 0 9.71 345,458 6.2% 273,587 10.4% 0.53 3.58 1,737

Bank of America, National Association Charlotte BAC 13.1 9.50 0 9.38 1,653,947,000 3.4% 1,297,680,000 3.1% 1.15 2.82 18,599,000

Cornerstone Bank Wilson CBFA 36.3 9.43 0 9.41 107,084 -2.1% 90,794 0.0% 0.75 3.32 806

Branch Banking and Trust Company Winston-Salem BBT 8.7 9.40 0 8.66 206,874,891 12.2% 158,050,500 2.0% 1.07 3.17 2,115,595

Coastal Bank & Trust Jacksonville 8.0 9.30 0 8.81 87,523 18.9% 79,679 0.0% 0.44 4.05 342

Paragon Commercial Bank Raleigh PBNC 4.6 9.27 0 9.03 1,342,283 5.6% 1,049,098 16.5% 0.96 3.56 12,523

Sound Banking Company Morehead City SNBN 11.9 8.99 0 9.04 173,697 12.8% 156,494 6.3% 0.68 4.29 1,130

Aquesta Bank Cornelius AQFH 12.4 8.95 0 7.36 310,753 18.1% 218,451 1.8% 0.71 3.95 1,948

First-Citizens Bank & Trust Company Raleigh FCNCA 10.1 8.84 0 8.55 32,048,417 4.6% 27,442,344 0.1% 0.65 3.23 202,426

Live Oak Banking Company Wilmington LOB 6.4 8.84 0 7.82 1,206,640 77.8% 1,064,316 20.4% 2.29 3.56 21,744

Southern Bank and Trust Company Mount Olive SBNC 6.1 8.80 0 8.70 2,414,243 10.4% 2,073,950 0.0% 0.40 3.73 8,893

First South Bank Washington FSBK 9.9 8.74 0 9.40 939,009 6.8% 819,359 3.1% 0.64 3.85 5,840

Carolina Premier Bank Charlotte PARA 17.4 8.74 0 9.12 249,125 0.3% 209,899 11.9% -0.11 3.84 -271

First Carolina Bank Rocky Mount 7.8 8.58 0 9.88 162,511 40.9% 144,252 0.0% 2.37 3.29 3,382

North State Bank Raleigh 6.5 8.28 0 8.14 796,847 8.5% 728,437 5.3% 0.58 3.62 4,415

Carolina Trust Bank Lincolnton CART 18.5 8.27 0 7.60 372,746 22.0% 320,689 11.6% 0.39 4.18 1,300

Alliance Bank & Trust Company Gastonia ABTO 59.1 7.03 1,375 6.88 143,492 -7.5% 115,285 0.0% -1.00 3.42 -1,497

Bank City

Top

Level

Ticker

Texas

Ratio

(%)

Leverage

Ratio

(%)

Tier 1

Shortfall

(to 8%)

TCE/

TA

(%)

Total

Assets

($000)

1-Year

Change in

Total Assets

(%)

Total

Deposits

($000)

Brokered

(%)

LTM

ROAA

(%)

NIM

(FTE)

(%)

LTM Net

Income

($000)

Nantahala Bank & Trust Company Franklin 249.4 5.49 3,681 3.80 147,461 -1.0% 124,891 0.0% 0.17 3.35 254

North Carolina Banks, Texas Ratio >75%

Bank City

Top

Level

Ticker

Texas

Ratio

(%)

Leverage

Ratio

(%)

Tier 1

Shortfall

(to 8%)

TCE/

TA

(%)

Total

Assets

($000)

1-Year

Change in

Total Assets

(%)

Total

Deposits

($000)

Brokered

(%)

LTM

ROAA

(%)

NIM

(FTE)

(%)

LTM Net

Income

($000)

Mutual Savings Bank Hartsville 1.8 35.61 0 35.76 38,424 2.3% 24,588 0.0% -0.30 3.14 -114

Woodruff Federal Savings and Loan Association Woodruff 8.3 35.36 0 35.73 86,814 -2.1% 54,009 0.0% 0.77 2.99 676

Spratt Savings and Loan Association Chester 0.3 26.71 0 26.53 104,967 -1.9% 76,918 0.0% 0.18 2.32 195

First Piedmont Federal Savings and Loan Association of Gaffney Gaffney 2.2 24.13 0 26.87 351,351 4.1% 254,816 0.0% 1.08 4.40 3,699

Citizens Building and Loan, SSB Greer 10.7 21.58 0 21.07 124,315 2.4% 87,762 0.0% 0.75 3.64 899

Pee Dee Federal Savings Bank Marion 13.1 18.58 0 18.38 38,490 2.8% 31,372 0.0% -0.44 3.07 -167

Kingstree Federal Savings and Loan Association Kingstree 18.5 15.14 0 15.56 33,679 0.2% 28,369 0.0% 0.40 2.91 135

Oconee Federal Savings and Loan Association (MHC) Seneca OFED 6.8 15.12 0 15.17 482,703 -0.2% 404,366 0.0% 1.12 3.88 5,344

Palmetto State Bank Hampton 11.7 14.56 0 14.70 528,224 5.5% 433,923 0.0% 1.44 3.62 7,348

Commercial Bank Honea Path 6.9 13.80 0 14.29 176,741 6.8% 150,867 0.0% 1.17 3.25 2,007

Bank of Clarendon Manning 5.7 13.53 0 13.56 251,036 9.2% 210,317 0.0% 0.96 3.73 2,252

First National Bank of South Carolina Holly Hill 20.8 13.30 0 13.14 181,274 5.6% 154,635 0.0% 0.38 3.36 669

Cornerstone National Bank Easley CTOT 24.3 12.95 0 13.11 146,494 1.7% 125,946 0.0% 1.02 3.50 1,458

GrandSouth Bank Greenville GRRB 14.5 12.94 0 13.11 435,699 8.6% 375,153 8.3% 1.41 6.80 5,924

Farmers and Merchants Bank of South Carolina Holly Hill 10.6 12.88 0 15.13 289,123 2.5% 243,914 0.0% 0.60 3.13 1,764

First Palmetto Bank Camden 23.8 12.70 0 12.69 620,680 9.2% 509,772 0.0% 0.73 3.26 4,252

Bank of York York 5.3 12.37 0 11.93 218,001 10.2% 183,067 0.0% 0.42 3.10 864

SouthCoast Community Bank Mount Pleasant SOCB 6.0 11.85 0 11.75 473,306 -2.6% 342,277 0.0% 0.98 3.68 4,666

Carolina Bank & Trust Company Darlington 36.4 11.43 0 11.54 423,940 5.4% 370,510 0.0% 0.77 4.46 3,137

Home Federal Savings and Loan Association Bamberg 6.3 11.42 0 11.37 41,977 0.1% 36,391 0.0% 0.56 4.11 233

First Reliance Bank Florence FSRL 16.9 11.36 0 12.76 378,501 0.9% 311,698 4.0% 2.26 4.59 8,457

Congaree State Bank Cayce CNRB 15.3 11.29 0 12.79 104,905 -6.1% 88,872 0.0% 0.25 4.18 279

Security Federal Bank Aiken SFDL 14.6 11.03 0 11.52 810,730 -1.5% 671,638 6.8% 0.84 3.37 6,721

Abbeville First Bank Abbeville 18.7 10.91 0 11.16 71,898 7.0% 52,544 0.0% 0.98 3.85 681

Dedicated Community Bank Darlington 16.2 10.72 0 10.37 55,214 12.0% 49,479 0.0% 0.31 4.23 154

Greer State Bank Greer GRBS 14.4 10.58 0 11.05 385,147 5.9% 292,548 0.0% 0.90 3.18 3,332

Pickens Savings and Loan Association, FA Pickens 5.6 10.55 0 10.86 91,505 -1.5% 72,704 0.0% 0.49 3.56 451

Bank of Walterboro Walterboro 39.5 10.48 0 10.15 197,069 12.3% 176,797 0.0% 0.62 3.21 1,129

Carolina Alliance Bank Spartanburg CRLN 10.1 10.30 0 9.99 630,275 46.6% 524,166 17.5% 0.44 3.90 2,304

Bank of Greeleyville Greeleyville 18.2 10.29 0 11.00 81,625 0.2% 70,473 0.0% 0.99 4.90 825

Blue Ridge Bank Walhalla 25.6 10.28 0 10.10 108,465 2.9% 95,855 0.0% 0.74 4.22 796

Independence National Bank Greenville IEBS 27.3 10.27 0 10.71 92,365 -4.3% 82,194 0.0% -0.86 3.64 -839

CresCom Bank Charleston CARO 4.0 10.11 0 9.76 1,452,719 13.9% 1,143,272 9.1% 1.18 3.70 15,926

Palmetto Heritage Bank & Trust Pawleys Island 29.7 10.07 0 9.74 149,965 2.3% 116,590 4.5% 0.64 3.79 934

Sandhills Bank North Myrtle Beach 10.1 10.05 0 11.68 139,096 36.0% 119,945 5.0% 0.01 3.63 8

Clover Community Bank Clover 14.2 9.88 0 10.67 125,398 2.9% 111,079 0.0% 1.00 4.10 1,268

Peoples Bank Iva 41.5 9.84 0 10.65 293,684 5.9% 245,207 3.9% 1.03 3.68 2,970

Heritage Community Bank Hartsville RGBC 12.0 9.83 0 9.83 110,187 7.7% 93,439 10.8% 0.39 4.46 414

Citizens Bank Olanta 9.2 9.81 0 9.55 409,785 3.5% 358,175 0.0% 0.70 3.89 2,791

First Community Bank Lexington FCCO 10.1 9.81 0 9.96 867,436 4.1% 724,207 0.1% 0.82 3.41 6,915

Bank of South Carolina Charleston BKSC 8.2 9.79 0 9.92 403,617 7.1% 362,527 0.0% 1.32 4.32 5,071

Conway National Bank Conway CNBW 11.3 9.73 0 9.84 1,038,874 4.6% 852,942 0.0% 0.78 3.04 8,108

Bank of Travelers Rest Travelers Rest 9.1 9.51 0 9.49 620,280 12.4% 546,168 0.0% 1.11 3.74 6,315

Anderson Brothers Bank Mullins 16.3 9.45 0 9.33 539,949 6.7% 485,086 0.0% 1.16 7.56 5,998

South Carolina Banks, Texas Ratio <75%

Bank City

Top

Level

Ticker

Texas

Ratio

(%)

Leverage

Ratio

(%)

Tier 1

Shortfall

(to 8%)

TCE/

TA

(%)

Total

Assets

($000)

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Change in

Total Assets

(%)

Total

Deposits

($000)

Brokered

(%)

LTM

ROAA

(%)

NIM

(FTE)

(%)

LTM Net

Income

($000)

South Carolina Banks, Texas Ratio <75%

South State Bank Columbia SSB 7.6 9.14 0 8.78 8,675,037 8.1% 7,182,160 1.0% 1.27 4.48 106,082

Atlantic Community Bank Bluffton ATBA 15.2 9.06 0 11.96 82,514 4.8% 71,210 12.3% 1.98 3.90 1,627

Coastal Carolina National Bank Myrtle Beach 6.4 9.03 0 9.55 176,374 16.6% 158,851 0.0% 1.25 3.65 2,052

Southern First Bank Greenville SFST 12.9 8.95 0 8.76 1,236,608 15.5% 1,006,705 5.2% 1.05 3.70 12,187

Community First Bank Walhalla CFOK 24.0 8.77 0 9.67 321,465 -7.0% 286,660 0.0% 0.14 3.03 492

VistaBank Aiken 11.3 8.45 0 10.98 110,146 3.8% 92,392 0.0% 2.48 3.43 2,759

Arthur State Bank Union 53.0 8.25 0 8.76 463,222 -12.6% 406,542 0.0% 1.00 3.45 4,862

First Federal of South Carolina, FSB (MHC) Walterboro FSGB 23.5 8.20 0 6.40 72,346 1.4% 64,981 0.0% 0.64 3.77 466

South Atlantic Bank Myrtle Beach SABK 8.7 8.04 0 7.76 417,354 17.2% 366,141 4.3% 0.59 3.98 2,282

Countybank Greenwood 20.6 8.01 0 7.56 358,194 3.2% 285,513 1.5% 1.07 3.53 3,707

CoastalStates Bank Hilton Head Island 37.9 6.64 5,584 8.48 423,586 6.6% 341,256 0.0% 0.46 4.31 1,885

Bank City

Top

Level

Ticker

Texas

Ratio

(%)

Leverage

Ratio

(%)

Tier 1

Shortfall

(to 8%)

TCE/

TA

(%)

Total

Assets

($000)

1-Year

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(%)

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Deposits

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Brokered

(%)

LTM

ROAA

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NIM

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(%)

LTM Net

Income

($000)

Horry County State Bank Loris HCFB 277.2 3.26 17,103 3.01 365,928 -13.9% 335,578 0.0% 0.07 3.12 268

Enterprise Bank of South Carolina Ehrhardt 116.5 4.01 12,506 4.02 313,424 1.0% 299,821 0.0% 0.20 3.00 621

First South Bank Spartanburg FSBS 212.5 4.13 9,434 4.22 244,431 -3.4% 218,024 0.0% -0.20 3.09 -490

Tidelands Bank Mount Pleasant TDBK 95.7 5.48 11,664 5.37 463,717 -2.6% 413,292 0.0% -0.30 2.98 -1,422

South Carolina Community Bank Columbia 237.3 8.94 0 9.01 53,066 -8.2% 48,061 0.0% -2.16 3.47 -1,190

South Carolina Banks, Texas Ratio >75%

Bank City

Top

Level

Ticker

Texas

Ratio

(%)

Leverage

Ratio

(%)

Tier 1

Shortfall

(to 8%)

TCE/

TA

(%)

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Assets

($000)

1-Year

Change in

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(%)

Total

Deposits

($000)

Brokered

(%)

LTM

ROAA

(%)

NIM

(FTE)

(%)

LTM Net

Income

($000)

Elizabethton Federal Savings Bank Elizabethton 4.9 34.64 0 34.77 313,863 -3.0% 198,106 0.0% 0.81 2.79 2,590

Lawrenceburg Federal Bank Lawrenceburg 10.1 23.57 0 23.67 56,999 -0.8% 41,790 0.0% 0.75 3.97 429

Security Federal Bank Elizabethton SFBK 9.0 21.88 0 21.98 63,339 8.7% 45,411 0.0% 1.23 4.43 744

Highland Federal Savings & Loan Association Crossville 1.6 21.31 0 21.46 63,910 1.6% 49,394 0.0% 0.09 3.00 57

Bank of Gleason Gleason 2.2 19.59 0 21.45 116,575 -3.0% 90,330 0.0% 1.20 4.07 1,425

Clayton Bank and Trust Knoxville 13.9 17.71 0 17.74 796,281 12.1% 612,079 3.3% 3.62 5.75 26,936

Home Federal Bank of Tennessee Knoxville 2.3 17.35 0 16.99 2,168,616 2.0% 1,723,547 0.0% 0.58 2.65 12,387

American City Bank Tullahoma 9.9 17.01 0 17.29 272,574 5.7% 209,870 5.4% 2.49 4.91 6,638

Apex Bank Camden 35.2 16.95 0 16.88 382,045 3.7% 287,628 0.0% 3.48 8.17 13,062

Citizens Bank and Trust Company of Grainger County Rutledge 21.7 16.57 0 16.82 203,508 1.3% 168,706 0.0% 0.94 3.72 1,862

CBBC Bank Maryville 2.5 16.48 0 16.51 333,308 3.6% 274,584 0.0% 1.02 3.19 3,351

Citizens Bank Carthage 3.2 16.47 0 16.43 555,071 3.5% 461,688 0.0% 2.25 4.84 12,273

Bank of Cleveland Cleveland 9.8 16.28 0 15.48 244,057 3.0% 204,670 0.0% 1.38 4.75 3,151

Financial Federal Bank Memphis 4.3 14.62 0 13.98 463,057 17.9% 311,695 4.8% 1.85 3.54 7,796

Peoples Bank of the South LaFollette 35.6 14.54 0 14.42 139,843 -1.8% 114,792 0.0% 1.81 5.13 2,543

Civic Bank & Trust Nashville 10.8 14.51 0 15.01 141,832 -1.2% 103,168 0.0% 0.10 3.35 149

Farmers State Bank Mountain City 31.9 14.48 0 14.78 142,197 3.5% 119,118 0.0% 0.66 4.53 891

Volunteer Federal Savings Bank Madisonville 6.1 14.36 0 14.27 174,221 1.3% 137,260 0.0% 0.36 3.66 627

Farmers Bank Woodland Mills 0.0 14.06 0 14.59 10,702 -15.4% 9,135 0.0% -2.94 2.09 -340

Johnson County Bank Mountain City 38.0 13.84 0 14.33 119,785 -0.2% 98,809 0.0% 0.72 3.52 875

Bank of Ripley Ripley 12.6 13.70 0 14.87 212,764 2.8% 179,028 0.0% 0.55 4.17 1,134

Greeneville Federal Bank, FSB Greeneville 16.9 13.54 0 13.68 143,508 -1.7% 122,189 0.0% 1.55 4.88 2,240

McKenzie Banking Company McKenzie 23.0 13.45 0 13.59 127,277 1.5% 109,292 0.0% 0.92 5.01 1,156

Bank of Waynesboro Waynesboro 15.2 13.44 0 13.28 155,366 5.8% 133,933 0.0% 1.23 4.41 1,852

Farmers Bank Parsons 16.5 13.11 0 13.45 34,903 -3.7% 30,039 0.0% 0.34 3.95 117

UBank Jellico 14.6 13.06 0 13.51 66,534 -0.8% 56,816 0.0% 1.10 4.86 728

Bank of Lincoln County Fayetteville 27.4 12.98 0 13.36 133,971 1.0% 115,452 0.0% 0.75 4.90 1,000

Peoples Bank of Middle Tennessee Shelbyville 10.0 12.90 0 12.67 117,828 13.8% 101,496 6.5% 1.07 4.57 1,164

Wayne County Bank Waynesboro 39.2 12.89 0 12.99 302,496 -0.9% 252,257 10.9% 0.87 4.69 2,652

First Advantage Bank Clarksville FABK 11.2 12.77 0 12.92 485,546 8.0% 375,178 5.0% 0.72 4.38 3,460

American Trust Bank of East Tennessee Knoxville 14.5 12.74 0 12.64 141,025 3.0% 117,031 0.0% 1.02 4.09 1,394

First National Bank of Manchester Manchester 9.6 12.65 0 12.50 250,722 4.4% 216,147 0.0% 1.33 3.96 3,196

Coffee County Bank Manchester 20.6 12.62 0 12.42 146,466 8.3% 125,835 0.0% 2.65 4.87 3,705

First National Bank of Middle Tennessee McMinnville 2.6 12.60 0 12.83 485,461 1.3% 386,415 0.0% 1.06 3.14 5,063

Macon Bank and Trust Company Lafayette 3.3 12.50 0 12.45 378,192 3.1% 319,243 0.0% 0.83 3.40 3,017

Bank of Dickson Dickson 12.0 12.33 0 13.02 225,179 0.9% 186,358 0.0% 0.82 3.42 1,840

Tri-State Bank of Memphis Memphis 57.8 12.25 0 9.32 105,233 -14.6% 89,934 11.1% 0.36 4.12 423

Athens Federal Community Bank, National Association Athens AFCB 14.9 12.16 0 12.38 326,804 5.6% 269,405 1.0% 1.04 4.57 3,278

Merchants & Planters Bank Bolivar 10.5 11.97 0 12.73 86,065 -1.7% 71,433 0.0% 1.11 4.51 948

Putnam 1st Mercantile Bank Cookeville 13.3 11.93 0 11.80 118,783 2.5% 104,418 6.7% 0.92 3.79 1,087

Citizens Bank Elizabethton 8.5 11.89 0 12.54 709,797 2.9% 534,357 2.0% 1.24 3.88 8,512

Tennessee Banks, Texas Ratio <75%

Bank City

Top

Level

Ticker

Texas

Ratio

(%)

Leverage

Ratio

(%)

Tier 1

Shortfall

(to 8%)

TCE/

TA

(%)

Total

Assets

($000)

1-Year

Change in

Total Assets

(%)

Total

Deposits

($000)

Brokered

(%)

LTM

ROAA

(%)

NIM

(FTE)

(%)

LTM Net

Income

($000)


Farmers and Merchants Bank Adamsville 3.9 11.84 0 12.02 36,082 3.1% 31,087 0.0% 0.74 4.40 256

First Community Bank of Bedford County Shelbyville 2.4 11.84 0 11.87 437,931 16.5% 268,708 1.2% 1.38 3.68 5,585

Union Bank & Trust Company Livingston 29.4 11.82 0 12.18 81,420 -1.3% 71,209 0.0% 2.04 5.18 1,694

First Vision Bank of Tennessee Tullahoma 5.4 11.76 0 11.67 187,360 6.6% 163,683 10.3% 0.94 4.33 1,683

Bank of Frankewing Frankewing 15.7 11.75 0 11.75 216,771 3.1% 186,828 1.4% 1.05 4.26 2,243

Greenfield Banking Company Greenfield 13.9 11.62 0 11.62 54,057 5.2% 45,302 0.0% 0.63 4.34 331

Millennium Bank Ooltewah 20.4 11.59 0 11.60 141,767 12.2% 124,784 2.9% 1.30 4.35 1,770

Southern Heritage Bank Cleveland FIZN 4.3 11.59 0 11.59 267,302 6.9% 226,647 0.0% 0.94 3.99 2,467

Citizens Community Bank Winchester 17.2 11.55 0 11.69 203,757 5.8% 177,307 0.0% 1.56 5.43 3,108

Community National Bank Dayton 22.6 11.52 0 11.56 217,626 3.8% 191,379 0.0% 1.01 4.17 2,122

People's Bank and Trust Company of Pickett County Byrdstown 31.9 11.45 0 12.04 112,169 -1.8% 98,118 0.0% 0.93 4.91 1,050

Citizens National Bank Athens 14.3 11.30 0 11.51 552,288 3.9% 472,840 2.0% 1.27 3.51 6,757

First Community Bank of East Tennessee Rogersville FCCT 12.0 11.29 0 11.25 181,546 -4.1% 145,543 1.2% 0.53 3.83 933

Peoples Bank & Trust Company Manchester 2.3 11.25 0 11.18 88,810 5.9% 77,282 0.0% 0.74 4.26 644

Security Bank Dyersburg 13.4 11.22 0 11.79 178,945 1.5% 146,953 0.0% 1.01 3.63 1,751

First Farmers and Commercial Bank Pikeville 3.9 11.19 0 11.05 113,856 1.8% 101,108 0.0% 0.63 3.87 705

Franklin County UNITED Bank Decherd 31.3 11.08 0 12.81 76,408 -10.5% 66,440 0.0% -0.13 4.29 -106

Gates Banking and Trust Company Gates 4.4 11.07 0 12.23 42,462 -4.6% 36,925 0.0% 1.18 3.76 513

Bank of Crockett Bells 5.7 11.02 0 11.80 142,807 2.9% 123,978 0.0% 1.22 3.71 1,696

First National Bank of Oneida Oneida 14.5 10.99 0 11.36 206,716 1.7% 179,395 0.0% 1.13 3.92 2,321

Wilson Bank and Trust Lebanon WBHC 5.1 10.97 0 10.80 2,065,700 7.8% 1,827,267 0.0% 1.23 3.84 24,192

Cumberland Bank & Trust Clarksville 14.2 10.92 0 11.17 169,784 1.2% 149,701 6.6% 1.01 4.33 1,715

Peoples Bank of East Tennessee Madisonville 38.4 10.85 0 10.80 205,473 -4.1% 181,362 0.0% 0.51 4.51 1,066

Traditions First Bank Erin 3.6 10.83 0 11.01 118,459 -2.2% 104,091 0.0% 0.85 4.11 1,001

Volunteer State Bank Portland 6.8 10.82 0 10.86 530,740 4.8% 424,408 10.3% 2.78 4.51 13,751

Union Bank Jamestown 18.4 10.76 0 10.76 216,238 -1.4% 191,493 0.0% 0.59 4.07 1,278

Peoples State Bank of Commerce Nolensville 31.2 10.71 0 10.42 152,490 0.5% 136,162 0.0% 2.53 4.08 3,772

Farmers Bank Portland 6.4 10.69 0 10.58 587,276 4.0% 490,133 0.0% 1.21 4.51 6,771

First Freedom Bank Lebanon 8.2 10.69 0 10.37 340,894 9.2% 287,312 7.7% 1.09 4.31 3,457

Reelfoot Bank Union City 10.5 10.68 0 10.66 154,972 4.4% 137,036 0.0% 0.56 3.82 844

Citizens National Bank Sevierville 21.3 10.59 0 10.46 939,044 4.8% 734,785 8.0% 1.27 4.08 11,256

Bank of Halls Halls 23.7 10.52 0 11.15 75,155 5.0% 65,914 0.0% 1.30 4.11 940

Commercial Bank Harrogate 22.6 10.51 0 10.53 832,678 1.8% 667,318 11.0% 0.91 3.74 7,422

CedarStone Bank Lebanon 6.8 10.47 0 10.39 169,256 -2.4% 142,651 5.9% 0.91 4.47 1,544

Southern Bank of Tennessee Mount Juliet 0.4 10.43 0 10.36 217,239 9.5% 188,544 0.0% 0.70 3.45 1,484

First Federal Bank Dickson 13.1 10.41 0 11.30 496,539 4.2% 422,101 0.0% 1.47 3.55 7,010

Farmers & Merchants Bank Dyer 8.0 10.34 0 10.06 95,720 -4.6% 80,631 0.0% 0.06 3.33 60

Reliant Bank Brentwood CUBN 7.7 10.34 0 10.31 868,517 83.1% 657,984 23.7% 1.00 4.04 8,354

Commercial Bank & Trust Company Paris 4.1 10.33 0 10.58 710,053 5.7% 626,492 0.0% 1.67 3.86 11,335

First Bank of Tennessee Spring City 50.8 10.32 0 10.42 291,670 11.4% 237,005 0.0% 1.55 4.70 4,340

First South Bank Jackson 6.5 10.31 0 10.34 460,279 2.8% 384,611 0.0% 1.46 3.78 6,557

Bank City

Top

Level

Ticker

Texas

Ratio

(%)

Leverage

Ratio

(%)

Tier 1

Shortfall

(to 8%)

TCE/

TA

(%)

Total

Assets

($000)

1-Year

Change in

Total Assets

(%)

Total

Deposits

($000)

Brokered

(%)

LTM

ROAA

(%)

NIM

(FTE)

(%)

LTM Net

Income

($000)


Paragon Bank Memphis PGNN 6.6 10.30 0 10.76 313,936 9.2% 264,672 11.8% 0.22 3.84 663

Newport Federal Bank Newport UNTN 4.7 10.29 0 10.19 200,102 2.5% 177,941 0.7% 0.83 3.17 1,635

First National Bank of Pulaski Pulaski 13.0 10.26 0 10.24 752,944 1.6% 664,799 0.0% 0.97 3.61 7,127

First Volunteer Bank Chattanooga 21.7 10.20 0 10.17 908,926 1.2% 803,588 0.0% 1.25 4.65 11,209

Community Bank & Trust Ashland City 13.2 10.20 0 9.97 211,433 6.1% 181,296 0.0% 0.39 3.21 804

Legends Bank Clarksville 3.7 10.13 0 10.15 400,535 -0.7% 349,823 16.7% 0.85 4.06 3,418

Atlantic Capital Bank, National Association Chattanooga ACBI 2.4 10.11 0 11.05 2,724,599 157.2% 2,294,102 10.2% 0.18 3.67 3,248

Homeland Community Bank McMinnville 52.7 10.07 0 10.14 142,483 3.0% 126,701 0.0% -0.06 3.31 -83

First Commerce Bank Lewisburg 3.6 10.05 0 9.86 318,980 8.0% 284,622 4.2% 1.24 4.27 3,696

Bank of Perry County Lobelville 16.3 9.99 0 9.77 153,268 2.3% 129,615 6.3% 1.75 4.90 2,625

Tennessee State Bank Pigeon Forge 50.7 9.99 0 9.78 640,914 3.4% 545,765 6.3% 0.21 3.56 1,303

Triumph Bank Memphis 9.4 9.95 0 9.75 537,270 6.6% 421,655 14.2% 0.95 3.73 4,824

Citizens Bank Hartsville 10.0 9.94 0 9.82 195,125 9.7% 170,751 0.0% 1.19 4.73 2,196

Bank of Jackson Jackson 11.0 9.94 0 10.39 161,477 5.3% 139,679 0.0% 0.69 3.26 1,055

Bank of Milan Milan 1.8 9.90 0 10.17 63,748 0.3% 55,498 0.0% 0.83 4.03 522

First Tennessee Bank, National Association Memphis FHN 16.1 9.88 0 9.30 26,771,369 5.0% 20,453,547 9.5% 0.99 2.94 253,275

Peoples Bank Sardis 8.1 9.80 0 9.80 72,789 1.3% 64,543 0.0% 0.71 4.56 518

Security Federal Savings Bank of McMinnville McMinnville SCYT 7.2 9.77 0 9.93 188,585 2.6% 162,479 0.0% 0.60 3.21 1,111

Avenue Bank Nashville AVNU 1.1 9.77 0 9.60 1,205,110 16.3% 967,068 28.0% 0.75 3.48 8,368

First Century Bank Tazewell 8.8 9.76 0 10.46 281,723 11.1% 249,168 0.0% 0.06 4.19 170

F&M Bank Clarksville 21.0 9.71 0 9.40 888,326 3.7% 702,513 12.2% 0.51 3.37 4,439

InsBank Nashville IBTN 4.0 9.70 0 9.42 321,956 20.8% 247,513 22.7% 0.91 3.52 2,766

Chester County Bank Henderson 1.5 9.65 0 10.32 71,317 1.3% 63,499 0.0% 0.75 3.83 531

Andrew Johnson Bank Greeneville 6.5 9.63 0 9.38 341,578 9.2% 307,843 0.0% 0.99 4.71 3,262

First Capital Bank Germantown 14.9 9.63 0 9.67 253,993 9.8% 205,530 2.4% 0.65 3.53 1,590

First Citizens National Bank Dyersburg FIZN 7.6 9.60 0 9.91 1,290,717 1.5% 1,075,766 0.4% 1.11 3.73 13,925

Citizens Bank of Lafayette Lafayette 13.8 9.58 0 9.83 851,477 26.5% 694,499 0.0% 1.06 3.96 8,966

Independent Bank Memphis 9.2 9.55 0 9.48 986,822 9.2% 825,881 21.3% 0.96 4.83 9,069

Foothills Bank & Trust Maryville 0.0 9.55 0 9.62 208,212 5.4% 180,895 0.0% 0.81 3.33 1,648

Truxton Trust Company Nashville TRUX 0.0 9.48 0 10.01 411,750 16.6% 349,762 11.0% 1.32 3.15 5,163

SmartBank Pigeon Forge SMBK 11.8 9.48 0 9.25 1,012,629 91.3% 863,258 5.7% 0.35 3.89 2,317

Home Banking Company Selmer 1.8 9.43 0 9.60 92,938 -0.5% 82,701 0.0% 0.55 4.05 491

Mountain Valley Bank Dunlap 54.2 9.40 0 9.39 93,587 1.9% 84,547 0.0% 0.18 4.11 165

Franklin Synergy Bank Franklin FSB 0.8 9.37 0 9.54 2,298,608 52.3% 1,954,394 24.2% 1.05 3.62 20,541

Centennial Bank Trezevant 15.1 9.35 0 9.29 364,525 19.4% 311,835 7.0% 0.91 5.47 2,972

Citizens Savings Bank and Trust Company Nashville 30.4 9.31 0 9.16 105,790 2.4% 92,819 44.2% 0.20 4.94 207

Security Bank and Trust Company Paris 0.0 9.31 0 9.38 197,146 10.2% 175,589 17.6% 1.74 4.25 3,235

TNBANK Oak Ridge 19.1 9.28 0 9.41 197,032 4.3% 157,117 3.1% 0.47 4.02 888

Lauderdale County Bank Halls 9.9 9.26 0 9.47 53,386 2.4% 47,578 0.0% 0.53 3.74 275

Bank of Fayette County Piperton 23.9 9.22 0 8.99 394,641 12.0% 328,499 9.9% 0.90 4.64 3,288

Citizens Tri-County Bank Dunlap 17.8 9.21 0 9.45 720,513 9.2% 642,030 0.8% 1.57 4.60 10,591

Bank City

Top

Level

Ticker

Texas

Ratio

(%)

Leverage

Ratio

(%)

Tier 1

Shortfall

(to 8%)

TCE/

TA

(%)

Total

Assets

($000)

1-Year

Change in

Total Assets

(%)

Total

Deposits

($000)

Brokered

(%)

LTM

ROAA

(%)

NIM

(FTE)

(%)

LTM Net

Income

($000)


BankTennessee Collierville 12.0 9.18 0 9.14 283,262 3.0% 247,140 0.0% 1.26 4.41 3,459

CapStar Bank Nashville 4.9 9.16 0 7.23 1,223,180 7.5% 1,086,337 11.0% 0.66 3.27 7,574

Citizens Bank & Trust Company Atwood 10.8 9.14 0 9.06 25,882 -2.2% 23,474 0.0% 0.39 2.82 100

First National Bank of Tennessee Livingston 7.1 9.13 0 9.01 763,587 2.5% 683,270 0.0% 0.83 2.90 6,204

Community Bank Lexington 12.9 9.13 0 9.45 129,001 6.3% 109,058 1.8% 1.15 4.65 1,439

Southern Community Bank Tullahoma 11.5 9.13 0 8.11 226,310 39.9% 198,733 0.0% 0.63 4.01 1,154

INSOUTH Bank Brownsville 11.8 9.07 0 10.00 296,375 -0.1% 265,480 0.0% 0.65 4.13 1,862

Mountain Commerce Bank Knoxville 23.9 9.06 0 8.93 516,758 20.5% 457,946 5.1% 0.79 3.83 3,714

Patriot Bank Millington 12.3 9.04 0 9.70 287,202 1.6% 247,131 0.0% 1.01 3.52 2,816

Carroll Bank and Trust Huntingdon 5.8 9.02 0 9.13 269,807 1.1% 238,211 0.0% 0.56 4.52 1,519

Bank of Tennessee Kingsport 9.2 9.00 0 9.31 984,101 6.4% 803,023 0.9% 1.30 3.97 12,218

Progressive Savings Bank Jamestown 38.0 8.99 0 8.94 271,663 2.2% 245,231 6.9% 0.65 4.12 1,693

Peoples Bank Clifton 64.5 8.99 0 8.83 159,672 7.8% 138,666 8.7% 0.70 4.79 1,065

TriSummit Bank Kingsport 7.7 8.98 0 9.58 335,790 7.3% 271,588 5.3% 0.52 3.65 1,720

Community First Bank & Trust Columbia 28.8 8.97 0 10.23 463,974 2.7% 412,801 0.3% 3.58 3.66 16,369

SouthEast Bank Farragut 8.3 8.83 0 8.71 924,922 27.8% 834,585 26.3% 1.11 4.01 9,491

First Peoples Bank of Tennessee Jefferson City 13.8 8.82 0 8.57 143,691 4.7% 126,191 0.0% 0.06 4.13 84

Citizens First Bank Wartburg 26.0 8.81 0 8.84 160,189 5.0% 141,336 0.0% 0.61 4.81 947

Heritage Bank & Trust Columbia 24.2 8.72 0 8.91 103,676 3.3% 90,631 5.2% 0.72 3.93 737

Sumner Bank & Trust Gallatin SBKT 12.9 8.67 0 7.88 151,862 -3.2% 134,331 3.5% 0.54 3.42 843

First Farmers and Merchants Bank Columbia FFMH 4.0 8.66 0 8.72 1,298,843 6.9% 1,142,093 0.0% 0.85 3.37 10,552

Evolve Bank & Trust Memphis 19.9 8.50 0 9.16 355,785 -7.5% 270,930 0.4% 0.54 3.98 1,969

Citizens Bank New Tazewell 33.7 8.41 0 8.29 169,652 6.6% 154,717 0.0% 0.59 4.44 958

TriStar Bank Dickson 3.8 8.41 0 8.11 245,440 5.2% 216,089 3.7% 0.70 4.12 1,652

Decatur County Bank Decaturville 7.1 8.37 0 8.46 90,742 4.3% 76,570 6.9% 0.91 4.85 810

Pinnacle Bank Nashville PNFP 7.2 8.37 0 9.02 9,203,832 46.2% 7,100,561 6.4% 1.37 3.77 106,839

Hardin County Bank Savannah 31.6 8.26 0 8.09 454,238 4.4% 401,738 12.0% 0.03 4.29 129

Heritage Community Bank Greeneville 16.4 8.17 0 8.11 89,435 -1.3% 81,866 0.0% 0.39 4.14 357

Landmark Community Bank Collierville 6.1 8.09 0 8.25 851,806 23.8% 688,330 24.5% 0.88 3.25 6,866

American Bank & Trust of the Cumberlands Livingston 2.2 8.08 0 7.91 211,580 9.6% 188,424 0.0% 1.40 4.06 2,820

Bank of Putnam County Cookeville 1.4 7.89 455 7.73 429,037 4.0% 390,814 0.0% 1.05 2.83 4,415

FirstBank Nashville 11.0 7.77 6,411 8.20 2,853,057 13.3% 2,478,422 0.1% 1.94 4.07 52,026

Central Bank Savannah 73.8 7.71 290 7.92 98,814 -7.9% 89,787 0.0% 0.56 4.08 571

Tower Community Bank Jasper 14.6 7.38 882 7.04 144,670 4.0% 133,236 0.7% 0.41 4.92 576

Bank of Bartlett Bartlett 73.4 6.49 5,033 7.65 348,320 1.7% 311,348 0.0% 0.27 3.35 928

Brighton Bank Brighton 69.1 4.69 1,738 4.79 51,884 -6.6% 49,256 0.0% -0.54 3.92 -289

Bank City

Top

Level

Ticker

Texas

Ratio

(%)

Leverage

Ratio

(%)

Tier 1

Shortfall

(to 8%)

TCE/

TA

(%)

Total

Assets

($000)

1-Year

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Total Assets

(%)

Total

Deposits

($000)

Brokered

(%)

LTM

ROAA

(%)

NIM

(FTE)

(%)

LTM Net

Income

($000)

American Patriot Bank Greeneville 569.9 2.01 3,785 1.44 62,578 -7.0% 60,886 0.0% -0.24 4.11 -160

Civis Bank Rogersville 182.3 4.04 4,289 4.05 108,670 -4.4% 102,108 0.0% -1.01 4.24 -1,130

Sevier County Bank Sevierville SVRH 157.7 6.08 5,935 6.10 307,361 3.2% 286,567 0.0% 0.58 3.04 1,784

First Alliance Bank Cordova FABR 78.8 10.49 0 11.16 117,427 -1.6% 100,980 0.0% 0.25 4.30 302

Tennessee Banks, Texas Ratio >75%

Bank City

TopLevelTicker

TexasRatio

(%)

LeverageRatio

(%)

Tier 1Shortfall

(to 8%)

TCE/TA(%)

TotalAssets($000)

1-YearChange in

Total Assets(%)

TotalDeposits

($000)Brokered

(%)

LTMROAA

(%)

NIM(FTE)

(%)

LTM NetIncome

($000)

Beal Bank, SSB Plano 21.9 45.72 0 43.54 2,178,149 5.3% 1,089,174 51.2% 4.40 6.00 88,486Oakwood State Bank Oakwood 1.3 20.19 0 20.61 6,374 -4.7% 5,051 0.0% 1.02 2.78 66Texas Exchange Bank, SSB Crowley 1.4 19.63 0 15.86 213,303 62.8% 149,371 20.7% 0.84 4.05 1,192Citizens 1st Bank Tyler 3.6 19.46 0 21.44 719,112 -4.6% 476,495 0.0% 1.95 3.51 13,921First National Bank of Moody Moody 10.2 19.00 0 19.65 47,452 2.9% 36,614 28.7% 1.10 3.98 523State Bank of Texas Dallas 14.8 18.90 0 18.86 675,455 -12.8% 483,347 4.1% 6.82 7.47 46,966Donley County State Bank Clarendon 0.0 18.40 0 19.06 38,421 -1.8% 30,973 0.0% 0.29 2.60 117First Federal Bank Littlefield, Texas Littlefield 3.2 18.31 0 18.73 44,874 -0.5% 36,295 0.0% 0.42 3.91 198Gladewater National Bank Gladewater 17.3 18.25 0 18.43 41,498 -38.3% 33,670 0.0% 0.25 4.84 114Frontier Bank of Texas Elgin 0.4 18.22 0 18.14 146,767 -2.9% 119,495 0.0% 0.73 4.05 1,073First National Bank of Winnsboro Winnsboro 30.1 18.15 0 17.68 138,862 1.1% 109,567 0.0% 1.23 4.61 1,699Henderson Federal Savings Bank Henderson 11.0 18.13 0 18.18 114,475 0.5% 93,093 0.0% 0.74 3.37 845Hamlin National Bank Hamlin 4.9 17.74 0 17.76 90,159 -10.4% 73,369 0.0% 1.04 3.57 967Brazos National Bank Richwood 0.5 17.65 0 16.92 30,699 9.8% 19,026 0.0% 3.54 5.38 993Lytle State Bank of Lytle, Texas Lytle 2.9 17.57 0 17.83 80,795 -7.2% 64,794 0.0% 1.26 3.75 1,023Liberty National Bank in Paris Paris 0.8 16.89 0 16.98 267,374 3.9% 221,457 0.0% 0.90 3.00 2,375Hill Bank & Trust Co. Weimar 0.0 16.73 0 16.62 131,278 4.7% 108,830 0.0% 0.77 2.63 993American Momentum Bank College Station 20.8 16.55 0 16.22 1,161,322 8.2% 956,151 0.0% 0.89 4.42 9,848Security Bank of Crawford Crawford 10.1 16.52 0 15.03 25,424 14.9% 21,550 0.0% -1.17 3.40 -261First National Bank of Aspermont Aspermont 0.0 16.21 0 17.87 64,314 3.6% 52,748 0.0% 1.18 2.91 735Preferred Bank Houston 8.8 16.07 0 14.76 248,171 -3.8% 210,398 0.6% 0.74 3.82 1,675Dilley State Bank Dilley 0.2 15.95 0 16.22 126,568 -10.3% 105,463 0.0% 0.73 2.32 960Citizens National Bank of Crosbyton Crosbyton 0.0 15.69 0 16.05 45,602 1.1% 38,199 0.0% 0.71 2.15 321International Bank of Commerce Brownsville IBOC 8.3 15.69 0 16.42 991,133 -7.6% 738,102 0.0% 1.41 3.43 14,574Mason Bank Mason 0.7 15.43 0 16.70 110,645 7.2% 84,730 0.0% 1.31 3.39 1,409First State Bank Hemphill 3.2 15.42 0 15.56 54,339 -0.3% 45,771 0.0% 0.19 2.36 103Buckholts State Bank Buckholts 0.3 15.02 0 15.28 70,926 -8.0% 60,042 0.0% 1.38 3.47 1,032Bank of Commerce McLean 2.0 14.94 0 15.58 35,273 2.7% 29,635 1.2% 1.85 3.36 655First State Bank and Trust Company Carthage 2.8 14.94 0 15.85 502,737 -3.6% 401,241 0.0% 1.24 3.41 6,419Granger National Bank Granger 0.3 14.91 0 16.40 32,629 -2.8% 27,021 0.0% 0.73 3.16 241Preston National Bank Dallas 12.9 14.83 0 15.81 58,792 -5.9% 48,356 9.3% 2.13 5.84 1,382First National Bank of Quitaque Quitaque 1.6 14.77 0 15.07 51,698 -3.5% 43,293 0.0% 0.69 4.17 362Inter National Bank McAllen GFNOR 6.5 14.76 0 14.73 1,842,666 -3.9% 1,384,761 0.2% 0.82 3.58 15,069T Bank, National Association Dallas TBNC 1.5 14.55 0 13.93 193,730 13.2% 160,471 1.9% 1.98 4.55 3,494Golden Bank, National Association Houston 6.8 14.45 0 14.18 644,980 13.6% 518,968 0.0% 1.15 3.89 7,062First State Bank of Livingston Livingston 4.0 14.26 0 15.59 322,649 -3.3% 269,485 0.0% 1.06 3.62 3,365First State Bank Abernathy 3.5 14.17 0 14.93 24,938 -5.1% 18,834 0.0% 1.32 6.44 381Mineola Community Bank, SSB Mineola 0.5 14.08 0 14.22 196,579 5.3% 146,317 0.0% 0.47 3.84 920City National Bank of San Saba San Saba 0.0 13.97 0 14.14 60,063 3.8% 51,449 0.0% 0.32 3.18 186Justin State Bank Justin 10.0 13.86 0 14.04 66,102 -3.0% 56,532 0.0% 1.91 5.07 1,271Westbound Bank Katy 0.2 13.82 0 12.95 162,303 9.6% 138,863 0.0% 0.59 3.98 952Fidelity Bank of Texas Waco 11.4 13.77 0 13.91 93,439 0.8% 80,160 0.0% 1.17 4.38 1,102First National Bank of Hughes Springs Hughes Springs 1.5 13.74 0 14.45 252,313 2.6% 214,788 0.0% 2.23 5.76 5,491First National Bank of Alvin Alvin 2.9 13.70 0 14.38 125,006 1.0% 106,058 0.0% 1.04 2.56 1,260Normangee State Bank Normangee 11.6 13.67 0 13.81 128,002 10.2% 109,616 0.0% 1.48 5.11 1,796Community Bank & Trust Waco 8.5 13.61 0 13.56 412,711 1.8% 356,287 0.0% 0.76 3.80 3,087Providence Bank of Texas Southlake 10.2 13.61 0 13.86 119,272 8.6% 102,418 0.0% 0.83 4.26 970

Texas Banks, Texas Ratio <75%

Bank City

TopLevelTicker

TexasRatio

(%)

LeverageRatio

(%)

Tier 1Shortfall

(to 8%)

TCE/TA(%)

TotalAssets($000)

1-YearChange in

Total Assets(%)

TotalDeposits

($000)Brokered

(%)

LTMROAA

(%)

NIM(FTE)

(%)

LTM NetIncome

($000)


Security State Bank & Trust Fredericksburg 9.7 13.60 0 13.67 879,305 6.5% 713,478 0.0% 1.05 3.94 9,007Muenster State Bank Muenster 6.4 13.55 0 14.64 167,596 -1.9% 134,335 0.0% 1.59 2.98 2,680First National Bank of Livingston Livingston 0.9 13.53 0 13.84 358,607 4.1% 305,019 0.0% 1.38 3.13 4,773Amistad Bank Del Rio 1.4 13.50 0 13.06 28,576 2.8% 24,493 0.0% 0.47 4.44 132International Bank of Commerce Zapata IBOC 2.5 13.48 0 13.56 525,950 -6.5% 366,407 0.0% 1.52 2.76 7,887American Bank of Texas Sherman 18.5 13.42 0 13.59 2,301,060 4.7% 1,958,214 0.0% 1.44 4.00 32,200Waggoner National Bank of Vernon Vernon 3.7 13.40 0 13.42 282,207 -0.1% 242,178 0.0% 2.54 4.30 6,989Commerce Bank Laredo IBOC 7.2 13.39 0 13.50 584,273 -2.1% 467,279 0.0% 1.05 2.68 5,963TexasBank Brownwood 2.6 13.37 0 13.27 409,379 -0.7% 341,294 0.0% 2.25 4.40 9,329Menard Bank Menard 0.0 13.20 0 13.43 34,338 1.7% 29,706 0.0% 0.81 3.83 279American First National Bank Houston 4.4 13.11 0 12.89 1,204,183 9.3% 1,040,714 0.0% 1.40 4.53 15,981Vista Bank Ralls 13.2 13.06 0 13.15 327,491 20.4% 254,987 0.0% 1.09 5.11 3,366American National Bank & Trust Wichita Falls 6.3 12.99 0 13.05 493,186 11.2% 395,239 0.0% 1.05 3.73 4,943Southwestern National Bank Houston 1.5 12.96 0 13.40 349,523 0.0% 287,798 0.0% 0.90 2.79 3,150First State Bank Columbus 0.1 12.92 0 13.68 146,708 -3.0% 126,291 0.0% 0.77 2.29 1,127Sanger Bank Sanger 1.2 12.92 0 13.06 131,368 3.2% 113,917 0.0% 1.12 3.94 1,459First State Bank of Bedias Bedias 9.5 12.87 0 13.13 163,923 -3.3% 141,995 0.0% 1.78 3.55 2,930Marion State Bank Marion 3.0 12.84 0 12.99 98,605 5.0% 85,698 0.0% 1.75 3.44 1,669First State Bank Shallowater 0.7 12.80 0 12.31 99,359 10.2% 84,739 0.0% 2.29 5.16 2,062Texas Hill Country Bank Bandera 0.4 12.77 0 13.76 81,204 24.4% 67,957 0.0% 0.46 3.76 338State Bank of De Kalb De Kalb 2.0 12.74 0 12.33 184,387 7.8% 151,198 0.0% 2.41 4.53 4,283Columbus State Bank Columbus 0.0 12.73 0 12.95 94,144 -4.0% 81,708 0.0% 0.63 2.44 602PlainsCapital Bank Dallas HTH 5.8 12.70 0 12.10 8,653,227 3.1% 6,671,643 1.5% 1.78 5.16 148,505American National Bank of Mount Pleasant Mount Pleasant 0.3 12.67 0 13.13 91,296 -0.6% 79,217 0.0% 1.65 4.33 1,504First State Bank of Ben Wheeler, Texas Ben Wheeler 0.7 12.65 0 12.65 135,233 0.8% 117,930 0.0% 1.66 3.65 2,265First National Bank in Cooper Cooper 1.5 12.59 0 12.80 48,127 0.8% 41,738 0.0% 0.46 2.79 219Bank of San Jacinto County Coldspring 0.0 12.52 0 12.56 38,790 4.5% 33,868 0.0% 0.54 4.19 204Carmine State Bank Carmine 0.3 12.51 0 12.81 72,382 0.1% 63,033 0.0% 0.91 3.22 658One World Bank Dallas 19.6 12.50 0 12.56 81,657 -0.2% 63,108 0.0% 0.32 3.07 256Graham Savings and Loan, SSB Graham 1.0 12.49 0 12.51 120,852 -4.9% 102,970 0.0% 1.22 3.67 1,502TBK Bank, SSB Dallas TBK 12.8 12.43 0 12.43 1,615,083 293.1% 1,262,081 4.0% 2.15 10.91 22,162Gilmer National Bank Gilmer 10.5 12.41 0 12.47 231,854 -1.7% 202,316 0.0% 1.03 3.62 2,408First Bank of Muleshoe Muleshoe 1.9 12.40 0 12.86 112,049 4.1% 97,238 0.0% 0.53 2.59 562BTH Bank, National Association Quitman 0.2 12.36 0 12.01 997,357 33.4% 870,613 20.7% 0.77 3.12 6,614Security State Bank Farwell 13.6 12.36 0 11.97 137,024 13.7% 120,498 5.1% 1.16 4.36 1,429Pavillion Bank Richardson 10.4 12.35 0 12.50 83,316 0.8% 71,654 0.0% 1.16 4.38 946Trinity Bank, N.A. Fort Worth TYBT 4.5 12.34 0 12.83 225,042 7.4% 193,979 0.0% 1.79 3.96 3,799International Bank of Commerce Laredo IBOC 5.9 12.33 0 12.50 9,696,848 -3.4% 7,075,791 0.0% 1.03 3.47 101,341Big Bend Banks, N.A. Marfa 0.8 12.30 0 14.52 127,144 0.7% 108,532 0.0% 1.36 3.90 1,757Shelby Savings Bank, SSB Center 2.3 12.27 0 12.37 271,628 1.0% 214,516 2.2% 1.25 3.78 3,363Amarillo National Bank Amarillo 14.8 12.26 0 12.34 3,667,809 -3.4% 3,049,115 8.5% 1.61 3.49 60,312Colonial Savings, F.A. Fort Worth 18.3 12.24 0 23.17 1,025,883 -12.6% 730,139 0.0% 1.13 4.88 13,924Commerce Bank Texas Stockdale 0.0 12.21 0 12.42 51,383 4.7% 41,764 0.0% 0.80 4.85 407Citizens National Bank at Brownwood Brownwood 17.1 12.20 0 12.27 207,002 3.4% 180,439 0.0% 1.50 3.94 3,064Kilgore National Bank Kilgore 14.8 12.16 0 12.09 81,662 -9.7% 71,173 0.0% 0.49 4.31 416MINT National Bank Kingwood 0.0 12.16 0 11.55 109,028 55.0% 95,866 0.0% 1.34 4.60 1,195Titan Bank, N.A. Mineral Wells 3.7 12.14 0 12.11 88,347 10.3% 65,627 3.4% 1.91 4.82 1,546

Bank City

TopLevelTicker

TexasRatio

(%)

LeverageRatio

(%)

Tier 1Shortfall

(to 8%)

TCE/TA(%)

TotalAssets($000)

1-YearChange in

Total Assets(%)

TotalDeposits

($000)Brokered

(%)

LTMROAA

(%)

NIM(FTE)

(%)

LTM NetIncome

($000)


Pioneer Bank, SSB Dripping Springs 4.3 12.11 0 11.51 1,129,877 190.2% 992,788 0.0% 2.42 3.96 12,390Austin Bank, Texas National Association Jacksonville 11.7 12.06 0 11.99 1,575,862 0.3% 1,343,077 0.0% 1.20 4.26 18,727Grapeland State Bank Grapeland 3.3 12.02 0 6.97 32,426 -0.8% 28,344 0.0% 0.63 4.62 205First Texas Bank Lampasas 2.1 11.94 0 11.94 122,439 5.0% 106,194 0.0% 0.31 2.58 377Ciera Bank Graham 9.9 11.93 0 12.21 507,225 2.2% 405,083 0.0% 1.87 4.99 9,311Yoakum National Bank Yoakum 2.2 11.92 0 12.55 232,583 -3.7% 202,825 1.0% 1.02 3.00 2,361AccessBank Texas Denton 1.7 11.83 0 12.45 212,873 37.9% 186,009 0.0% 1.31 3.32 2,455First State Bank of Burnet Burnet 0.8 11.80 0 12.55 256,167 1.3% 223,514 0.0% 1.37 3.21 3,426Johnson City Bank Johnson City 11.0 11.79 0 11.76 116,656 2.2% 102,844 0.0% 1.40 4.14 1,608First Bank & Trust Seymour 0.5 11.77 0 11.69 173,491 -7.9% 148,387 0.0% 0.41 2.10 738Llano National Bank Llano 18.2 11.76 0 12.28 152,065 4.9% 132,296 0.0% 0.96 4.15 1,449First Liberty National Bank Liberty 0.5 11.69 0 12.05 301,584 -1.2% 252,428 0.0% 1.00 2.97 3,049First National Bank of Emory Emory 0.8 11.69 0 12.78 110,593 -3.7% 92,980 0.0% 0.92 3.14 1,007Lone Star State Bank of West Texas Lubbock 4.6 11.68 0 11.86 744,519 -7.7% 646,575 2.2% 1.22 3.69 9,480Pearland State Bank Pearland 2.5 11.68 0 12.41 185,168 -0.8% 161,893 0.0% 1.22 2.56 2,187Peoples State Bank Rocksprings 0.0 11.61 0 12.25 74,914 0.7% 65,688 0.0% 1.51 3.18 1,135Herring Bank Amarillo 13.8 11.58 0 12.26 421,565 -5.9% 368,058 0.0% 0.74 4.64 3,165Citizens State Bank of Luling Luling 0.0 11.56 0 11.62 67,252 -0.6% 59,318 0.0% 0.67 4.49 449Lamar National Bank Paris 0.8 11.54 0 11.78 138,701 7.7% 119,945 0.0% 1.27 4.25 1,710Bank of Texas Midland 0.0 11.51 0 11.72 269,363 2.6% 226,166 0.0% 1.59 2.80 4,178Santa Anna National Bank Santa Anna 0.0 11.49 0 12.29 47,606 9.3% 37,682 0.0% 1.53 4.69 711Zapata National Bank Zapata 10.8 11.49 0 11.67 89,228 -3.2% 78,633 0.0% 0.52 3.64 459First National Bank of Hebbronville Hebbronville 1.0 11.48 0 12.88 131,259 -9.8% 113,518 0.2% 1.46 3.26 1,993First Federal Community Bank, SSB Paris 6.7 11.46 0 11.40 362,290 3.8% 307,688 0.0% 0.57 3.94 2,018First State Bank Rice 13.6 11.46 0 11.39 137,752 -12.9% 120,142 0.0% 0.75 4.14 1,090Capital Bank of Texas Carrizo Springs 0.0 11.44 0 11.86 68,715 -9.7% 59,617 0.0% 0.82 2.76 579First National Bank of Gilmer Gilmer 20.8 11.43 0 11.60 326,100 -1.5% 277,986 0.0% 1.48 4.35 4,892Robert Lee State Bank Robert Lee 5.1 11.43 0 11.91 48,146 0.0% 42,270 0.0% 0.34 3.42 157West Texas State Bank Snyder 16.9 11.43 0 12.14 137,280 -5.2% 120,228 0.0% 1.04 3.72 1,472Dallas Capital Bank, National Association Dallas 1.8 11.42 0 10.00 645,574 -3.2% 367,894 33.6% 0.12 1.92 714Dublin National Bank Dublin 0.0 11.42 0 11.53 33,109 2.0% 29,221 0.0% 0.11 2.30 37Southwest Bank Fort Worth 0.0 11.42 0 10.81 1,772,306 7.2% 1,373,173 14.7% 1.03 3.96 16,924Cadence Bank, N.A. Houston 24.8 11.41 0 10.94 8,978,716 10.5% 7,420,212 14.4% 0.61 3.52 51,156Cendera Bank, National Association Bells 0.0 11.41 0 11.30 73,319 16.8% 64,926 8.4% 0.30 4.36 208Falcon International Bank Laredo 20.9 11.41 0 11.31 1,004,551 7.4% 884,100 0.0% 1.10 3.69 10,730Worthington National Bank Arlington 6.0 11.41 0 11.12 202,946 13.2% 179,907 1.8% 1.03 4.28 1,958Zavala County Bank Crystal City 0.0 11.41 0 11.84 76,005 2.4% 66,191 0.0% 1.18 3.46 823Moody National Bank Galveston 11.1 11.38 0 11.90 1,043,534 -4.7% 886,176 0.0% 1.13 3.47 12,609First National Bank of Jasper Jasper 6.1 11.37 0 11.62 270,174 -0.6% 236,333 0.0% 0.59 2.72 1,520Lone Star National Bank McAllen 24.5 11.35 0 11.76 2,224,111 2.2% 1,878,954 2.7% 0.66 3.48 14,149First National Bank Rotan 7.5 11.33 0 11.81 75,158 -2.9% 66,173 0.0% 1.22 3.98 929First National Bank in Falfurrias Falfurrias 11.3 11.32 0 11.62 68,135 -18.5% 60,067 0.0% 0.42 2.32 304Commercial State Bank Humble 2.5 11.30 0 11.69 320,174 -3.3% 281,722 0.0% 1.04 4.46 3,374First National Bank Fabens 0.0 11.29 0 11.13 345,755 2.3% 281,640 0.0% 2.37 3.79 8,145First Bank and Trust of Memphis Memphis 5.6 11.21 0 11.08 63,739 -4.5% 56,145 3.2% 0.87 2.77 551First National Bank of Eldorado Eldorado 0.0 11.20 0 12.09 64,080 -14.0% 56,039 0.0% 0.66 4.04 449First National Bank in Dalhart Dalhart 0.0 11.10 0 11.36 64,226 0.5% 56,867 0.0% 1.03 4.43 685

Bank City

TopLevelTicker

TexasRatio

(%)

LeverageRatio

(%)

Tier 1Shortfall

(to 8%)

TCE/TA(%)

TotalAssets($000)

1-YearChange in

Total Assets(%)

TotalDeposits

($000)Brokered

(%)

LTMROAA

(%)

NIM(FTE)

(%)

LTM NetIncome

($000)


First United Bank Dimmitt 6.3 11.09 0 11.46 1,115,952 -1.3% 937,456 0.7% 1.71 3.90 19,239TrustTexas Bank, SSB Cuero 0.5 11.07 0 11.65 318,543 4.6% 279,124 0.0% 0.95 3.94 2,923Austin Capital Bank SSB Austin 0.7 11.05 0 11.25 89,453 25.2% 70,394 0.0% 1.31 3.94 1,066TexStar National Bank Universal City 0.0 11.04 0 10.73 223,919 3.0% 196,782 5.6% 0.97 4.07 2,099Sovereign Bank Dallas 13.3 11.03 0 11.40 1,073,179 1.4% 836,546 8.0% 0.78 3.70 8,593Bandera Bank Bandera 13.5 10.98 0 10.85 58,358 9.7% 51,944 0.0% 1.04 3.70 581City National Bank of Taylor Taylor 8.4 10.98 0 10.90 193,301 1.1% 171,615 8.2% 0.87 3.55 1,680First National Bank Spearman 11.4 10.97 0 11.60 204,231 4.3% 167,423 5.1% 1.53 4.25 2,998First State Bank Athens 5.9 10.96 0 11.04 409,576 2.4% 361,782 0.0% 1.35 4.39 5,350First Texas Bank Killeen 0.2 10.96 0 10.75 285,016 2.2% 252,137 0.0% 0.12 2.36 337First National Bank of Granbury Granbury 5.7 10.91 0 11.10 503,181 3.9% 445,799 0.0% 1.02 3.65 5,021Powell State Bank Powell 18.2 10.91 0 11.32 28,200 -4.6% 24,149 0.0% 0.73 4.44 209Citizens State Bank Tyler 9.8 10.90 0 10.40 329,895 2.4% 232,034 5.1% 1.40 3.96 4,490First National Bank of Eagle Lake Eagle Lake 12.8 10.90 0 11.24 102,124 -2.7% 85,918 0.0% 1.02 5.16 1,086Jourdanton State Bank Jourdanton 5.4 10.90 0 10.58 176,361 -3.5% 155,208 0.0% 0.60 2.59 1,028First State Bank Three Rivers 2.4 10.89 0 10.77 149,164 -15.6% 132,943 0.0% 1.04 2.87 1,660Happy State Bank Happy 10.1 10.89 0 10.79 2,876,367 9.5% 2,352,376 15.8% 1.03 4.18 28,033First State Bank Chico 24.3 10.88 0 10.37 199,849 -5.7% 169,549 0.0% 0.47 3.62 947SouthStar Bank, S.S.B. Moulton 3.7 10.87 0 10.34 700,153 -14.2% 499,530 0.0% 1.12 4.99 7,594First National Bank in Port Lavaca Port Lavaca 1.4 10.86 0 11.40 270,217 2.4% 238,289 0.0% 0.94 3.21 2,489Texas Republic Bank, National Association Frisco 3.2 10.86 0 10.42 167,903 15.8% 142,735 0.0% 0.92 5.01 1,480Citizens Bank Kilgore 4.7 10.84 0 11.20 370,676 -9.2% 326,331 0.0% 0.67 3.66 2,557Spur Security Bank Spur 0.0 10.84 0 11.07 44,769 -3.4% 39,761 0.0% 0.39 2.75 174Perryton National Bank Perryton 9.3 10.82 0 11.45 180,729 -6.1% 159,938 0.0% 1.26 2.79 2,290Mainland Bank Texas City 12.6 10.79 0 10.62 124,931 -2.5% 106,689 0.0% 2.42 4.67 3,068Texas State Bank San Angelo 0.0 10.79 0 11.90 254,587 -3.6% 220,764 0.0% 1.13 3.55 2,903Farmers State Bank Center 29.2 10.77 0 11.57 361,359 -5.2% 318,005 0.0% -1.27 3.57 -4,723Haskell National Bank Haskell 2.8 10.77 0 11.16 75,480 -6.4% 66,910 0.0% 0.68 3.19 528Gruver State Bank Gruver 11.8 10.76 0 10.95 69,968 -1.3% 53,255 0.0% 1.21 3.48 844Comanche National Bank Comanche 1.6 10.74 0 11.40 331,256 -3.4% 288,377 0.0% 0.97 3.55 3,127West Texas State Bank Odessa 2.0 10.74 0 10.56 411,191 -13.3% 366,801 0.0% 0.66 3.44 2,859Dalhart Federal Savings & Loan Association, SSB Dalhart 1.1 10.73 0 10.95 110,227 -1.0% 91,944 0.0% 0.58 4.10 634Kress National Bank Kress 14.2 10.73 0 11.32 39,912 4.8% 35,280 0.0% 1.26 4.02 524Anahuac National Bank Anahuac 3.2 10.71 0 11.08 113,828 8.2% 100,923 0.0% 1.47 4.60 1,621Centennial Bank Lubbock 3.6 10.70 0 11.24 704,059 -3.5% 575,919 0.0% 1.61 4.41 11,553Commercial National Bank of Brady Brady 0.5 10.70 0 11.42 164,711 4.0% 145,718 0.0% 1.75 4.00 2,772Texas Heritage National Bank Daingerfield 13.2 10.70 0 10.57 130,652 9.5% 93,620 0.0% 1.35 4.39 1,661Burton State Bank Burton 0.0 10.68 0 12.28 59,024 -6.5% 51,733 0.0% 0.80 2.28 476Woodhaven National Bank Fort Worth 13.8 10.68 0 9.96 566,549 20.8% 460,041 0.0% 1.07 3.56 5,537CommunityBank of Texas, N.A. Beaumont 8.1 10.65 0 10.58 2,815,480 11.2% 2,413,942 2.8% 0.97 4.12 27,140Integrity Bank, SSB Houston 0.0 10.63 0 10.40 651,825 4.8% 579,287 0.0% 1.14 4.03 7,217NewFirst National Bank El Campo 1.9 10.63 0 10.85 609,156 -1.9% 537,459 0.0% 2.16 4.90 13,100United Texas Bank Dallas 0.9 10.63 0 11.00 317,456 24.3% 236,048 0.0% 0.87 3.54 2,704Fidelity Bank Wichita Falls 7.5 10.60 0 10.10 427,253 14.9% 339,892 0.0% 1.51 4.82 5,943Citizens State Bank Sealy 0.0 10.58 0 11.09 238,315 3.1% 210,176 0.0% 1.28 3.51 3,032Ozona National Bank Ozona 0.2 10.58 0 10.47 231,599 3.1% 206,452 0.0% 1.30 4.25 2,922Commercial State Bank Andrews 15.4 10.57 0 10.80 507,092 -12.0% 449,502 0.0% 1.56 4.65 8,240

Bank City

TopLevelTicker

TexasRatio

(%)

LeverageRatio

(%)

Tier 1Shortfall

(to 8%)

TCE/TA(%)

TotalAssets($000)

1-YearChange in

Total Assets(%)

TotalDeposits

($000)Brokered

(%)

LTMROAA

(%)

NIM(FTE)

(%)

LTM NetIncome

($000)


First State Bank of Paint Rock Paint Rock 14.8 10.54 0 10.71 97,911 3.2% 85,944 0.0% 1.36 3.78 1,313Texas Gulf Bank, National Association Houston 10.8 10.54 0 11.09 533,056 3.6% 471,827 4.0% 1.20 3.97 6,382Schertz Bank & Trust Schertz 3.9 10.53 0 10.28 275,856 13.5% 246,452 0.0% 1.17 4.22 2,951First National Bank Groesbeck 6.6 10.51 0 10.73 52,466 -4.8% 46,678 0.0% 0.46 3.31 244Junction National Bank Junction 0.1 10.51 0 10.61 59,453 0.4% 53,093 0.0% 1.22 2.95 716Texas Brand Bank Garland 0.0 10.50 0 10.41 149,691 11.7% 128,451 0.2% 0.81 4.23 1,145First National Bank of Kemp Kemp 1.1 10.48 0 10.24 66,104 20.2% 57,155 0.0% 0.19 2.86 118National Bank Gatesville 4.3 10.47 0 10.27 592,633 2.1% 530,848 0.0% 0.86 3.75 4,976National Bank of Andrews Andrews 5.1 10.47 0 11.18 177,047 -12.1% 154,219 0.0% 2.71 4.25 5,004North Dallas Bank & Trust Co. Dallas NODB 5.5 10.42 0 10.54 1,317,305 1.3% 1,163,921 0.0% 0.49 2.16 6,537ValueBank Texas Corpus Christi 1.6 10.42 0 10.34 210,287 3.2% 186,753 0.0% 0.97 4.64 2,013Citizens National Bank of Texas Waxahachie 8.5 10.39 0 9.98 765,188 15.7% 680,835 0.9% 2.18 4.95 15,274First National Bank of Bastrop Bastrop 6.1 10.39 0 10.80 496,502 3.4% 441,052 0.0% 1.68 4.09 8,189Texas Security Bank Dallas 4.1 10.39 0 10.46 302,256 20.6% 269,468 5.0% 1.03 3.90 3,020Lone Star Bank Houston 15.1 10.37 0 7.29 109,353 5.9% 95,973 1.0% 0.53 3.83 541First State Bank of Mobeetie Mobeetie 10.0 10.36 0 11.09 85,628 -6.0% 75,732 0.0% 0.54 2.69 474Citizens State Bank Corrigan 4.4 10.34 0 10.60 132,016 4.8% 117,648 0.0% 1.93 4.22 2,455Bank of River Oaks Houston 8.0 10.33 0 10.37 446,188 5.0% 370,953 9.8% 0.66 3.93 2,931First Capital Bank Quanah 14.4 10.32 0 10.57 46,223 2.2% 41,239 0.0% 0.25 5.27 112Huntington State Bank Huntington 7.2 10.32 0 10.25 229,442 -1.6% 200,933 0.0% -0.16 3.95 -372Broadway National Bank San Antonio 7.4 10.31 0 10.80 3,272,014 0.5% 2,848,668 0.0% 1.11 3.46 35,639TransPecos Banks Pecos 6.3 10.30 0 9.93 151,762 4.9% 133,820 5.6% 1.18 4.76 1,729Citizens National Bank of Wills Point Wills Point 0.0 10.28 0 10.63 136,536 10.5% 121,700 0.0% 1.77 3.97 2,311First National Bank of Stanton Stanton 3.7 10.28 0 10.34 162,449 3.7% 145,212 0.0% 0.74 3.35 1,146Comerica Bank Dallas CMA 11.3 10.27 0 10.02 69,001,157 -0.4% 57,093,068 0.0% 0.68 2.64 480,117Prosper Bank Prosper 8.9 10.27 0 10.65 79,596 2.1% 70,502 0.0% 1.34 3.96 1,061First National Bank of Mount Vernon Mount Vernon 0.5 10.26 0 11.54 197,247 -3.9% 168,253 0.0% 1.08 2.84 2,218Industry State Bank Industry 0.2 10.26 0 11.41 702,713 9.6% 614,908 0.0% 1.57 3.71 10,324Lone Star Capital Bank, National Association San Antonio 1.7 10.25 0 10.22 234,993 1.1% 195,914 2.4% 0.39 3.77 905Legend Bank, N.A. Bowie 4.9 10.22 0 10.60 610,991 -2.1% 528,461 0.0% 1.63 4.67 10,005Citizens State Bank Somerville 14.5 10.21 0 10.23 462,434 -1.6% 410,099 0.0% 0.97 4.30 4,401First National Bank Wichita Falls 7.0 10.21 0 9.86 431,414 6.5% 330,388 3.6% 1.96 4.66 7,979City National Bank of Sulphur Springs Sulphur Springs 7.8 10.19 0 10.21 464,266 1.7% 410,511 0.0% 1.73 4.49 7,960Peoples State Bank of Hallettsville Hallettsville 0.7 10.18 0 10.60 284,980 -1.7% 250,240 9.3% 0.69 2.36 1,923RiverBend Bank Fort Worth 25.2 10.16 0 9.79 54,554 11.6% 48,170 0.0% 1.16 3.81 584Chappell Hill Bank Chappell Hill 0.0 10.14 0 10.12 24,745 1.7% 21,936 0.0% 0.02 2.88 6Citizens National Bank of Hillsboro Hillsboro 0.2 10.13 0 11.46 208,861 -1.2% 147,979 0.0% 1.00 2.48 2,086Elsa State Bank and Trust Company Elsa 4.9 10.13 0 9.72 191,682 -5.0% 172,072 0.0% 1.32 5.17 2,494HomeTown Bank, N.A. Galveston 9.9 10.13 0 10.49 541,293 4.8% 481,441 0.0% 1.12 3.93 6,017National Bank & Trust La Grange 0.5 10.13 0 11.03 224,994 -2.7% 199,823 0.0% 0.88 2.42 1,997First National Bank of Huntsville Huntsville 0.0 10.12 0 10.36 454,238 -1.4% 394,939 0.0% 0.79 2.91 3,615First State Bank Yoakum 1.4 10.11 0 10.79 189,377 -0.2% 167,493 0.0% 1.33 3.73 2,500Lubbock National Bank Lubbock 9.2 10.09 0 10.52 925,939 3.2% 762,291 3.7% 0.94 3.61 8,594Post Oak Bank, N.A. Houston 8.5 10.09 0 9.91 1,111,870 21.4% 993,705 2.2% 1.04 3.98 10,776First National Bank of Bellville Bellville 0.1 10.08 0 10.90 648,536 10.1% 555,131 0.0% 1.41 3.74 8,544First National Bank of Tahoka Tahoka 0.0 10.08 0 10.40 56,359 3.6% 50,441 0.0% 0.44 3.06 232City National Bank Corsicana 2.2 10.07 0 9.77 47,848 7.8% 42,785 0.0% 0.51 3.85 236

Bank City

TopLevelTicker

TexasRatio

(%)

LeverageRatio

(%)

Tier 1Shortfall

(to 8%)

TCE/TA(%)

TotalAssets($000)

1-YearChange in

Total Assets(%)

TotalDeposits

($000)Brokered

(%)

LTMROAA

(%)

NIM(FTE)

(%)

LTM NetIncome

($000)


Allegiance Bank Houston ABTX 6.3 10.06 0 9.85 2,209,151 17.2% 1,862,114 6.8% 0.97 4.67 19,531Security State Bank Pearsall 1.6 10.06 0 10.48 503,472 -4.9% 444,593 0.0% 1.19 3.53 6,081Plains State Bank Humble 7.9 10.05 0 9.91 372,366 10.5% 332,595 1.5% 1.06 4.22 3,655First National Bank of Anderson Anderson 11.4 10.04 0 10.24 165,053 -6.0% 147,943 0.0% 0.72 3.44 1,236First National Bank of Trenton Trenton 7.2 10.04 0 10.18 160,624 -1.6% 136,197 0.0% 0.31 3.05 530Western Bank Lubbock 5.5 10.03 0 9.81 198,674 5.5% 160,283 3.2% 1.15 3.97 2,201American Bank, National Association Dallas 1.5 10.02 0 9.85 53,340 -13.9% 47,730 8.6% 1.27 7.76 734Enloe State Bank Cooper 4.0 10.02 0 9.94 30,932 11.0% 27,770 0.0% 1.26 5.19 377Sage Capital Bank, N.A. Gonzales 0.2 10.02 0 10.38 342,201 -2.6% 302,077 0.0% 1.12 4.04 3,886First National Bank of Floydada Floydada 0.0 10.01 0 10.60 107,108 0.5% 95,731 0.0% 1.74 3.32 1,865Platinum Bank Lubbock 18.9 10.01 0 10.22 251,865 5.6% 207,034 5.9% -0.99 4.29 -2,439Bloomburg State Bank Bloomburg 0.0 10.00 0 9.80 16,687 8.8% 15,012 0.0% 0.61 4.06 101First State Bank Central Texas Austin 6.8 9.98 0 10.07 1,433,051 1.0% 1,208,339 0.0% 1.17 3.47 16,210First Bank & Trust Lubbock 6.4 9.97 0 9.56 819,121 7.8% 714,898 6.3% 1.80 4.10 14,221Texas Star Bank Van Alstyne 9.1 9.97 0 9.88 350,534 3.9% 307,047 1.9% 1.08 4.00 3,718Spring Hill State Bank Longview 12.2 9.96 0 9.82 185,015 -0.2% 151,617 0.4% 0.81 3.82 1,502Synergy Bank, S.S.B. McKinney 29.5 9.96 0 11.14 138,504 12.5% 119,690 0.0% 0.37 4.75 484Wallis State Bank Wallis 2.7 9.96 0 9.45 479,825 15.0% 418,295 4.6% 2.11 4.86 9,495First National Bank of Albany Albany 1.8 9.95 0 12.31 512,593 6.5% 446,840 10.5% 1.89 3.96 9,288First State Bank of Odem Odem 1.7 9.95 0 10.43 128,671 -6.2% 114,829 0.0% 0.79 4.04 1,065Round Top State Bank Round Top 0.0 9.95 0 10.00 487,623 5.3% 437,268 0.0% 0.94 3.14 4,449Affiliated Bank Arlington BAFI 3.2 9.94 0 9.18 603,502 21.7% 414,855 9.2% 1.66 5.38 8,510First National Bank of Giddings Giddings 3.6 9.94 0 10.27 187,927 3.4% 168,163 1.1% 0.91 3.41 1,714Citizens State Bank Buffalo 2.5 9.93 0 11.13 806,915 5.1% 709,490 0.0% 1.34 3.61 10,238Coleman County State Bank Coleman 4.7 9.93 0 10.15 103,003 -2.4% 92,514 0.0% 1.53 4.83 1,621First Bank Burkburnett 17.4 9.93 0 9.83 349,600 4.2% 294,500 1.6% 2.09 4.84 7,147Fort Davis State Bank Fort Davis 16.2 9.92 0 10.16 75,735 2.7% 67,668 0.0% 0.52 3.99 377Commercial Bank of Texas, N.A. Nacogdoches 6.2 9.90 0 9.95 570,747 6.2% 499,014 0.0% 1.17 3.72 6,451First National Bank of Dublin Dublin 0.6 9.89 0 10.04 84,351 5.9% 75,761 0.0% 1.38 4.44 1,172Sundown State Bank Sundown 16.1 9.89 0 10.56 143,507 -25.9% 127,929 0.0% 1.03 3.86 1,721First National Bank of Sonora Sonora 13.6 9.88 0 9.78 332,994 -1.6% 290,506 0.0% 0.96 4.15 3,231First State Bank Stratford 0.0 9.88 0 10.03 233,061 4.0% 198,238 0.0% 1.44 3.49 3,295Cypress Bank, SSB Pittsburg 5.5 9.86 0 9.74 178,345 1.6% 135,456 1.6% 0.69 3.91 1,219SouthTrust Bank, N.A. George West 9.1 9.86 0 9.98 371,986 3.9% 296,687 0.0% 1.08 4.35 3,999Grandview Bank Grandview 0.1 9.84 0 9.51 165,681 12.1% 147,663 0.0% 1.25 4.23 1,941Bank of DeSoto, National Association Desoto 10.3 9.81 0 9.69 194,482 -0.3% 175,467 0.0% 1.57 7.04 3,017Farmers and Merchants Bank De Leon 0.0 9.80 0 9.83 80,647 12.1% 72,354 0.0% 0.07 3.80 56First National Bank of Hereford Hereford 16.1 9.80 0 10.24 149,398 -3.4% 133,481 0.0% 1.15 4.03 1,759First National Bank of South Padre Island South Padre Islan 8.3 9.80 0 10.10 60,627 2.4% 54,468 0.0% 0.58 3.57 353Incommons Bank, N.A. Mexia 0.7 9.80 0 8.64 146,321 29.1% 127,913 0.0% 0.68 4.94 809Citizens National Bank Cameron 0.0 9.77 0 9.70 441,049 7.3% 397,427 0.0% 0.85 2.86 3,550First Community Bank Corpus Christi 9.1 9.77 0 9.81 406,343 6.1% 334,222 0.0% 1.62 5.77 6,372Northstar Bank of Texas Denton 5.7 9.77 0 9.42 1,671,275 -3.7% 1,395,625 1.2% 1.13 3.87 19,118Texas Financial Bank Eden 2.7 9.77 0 10.01 98,749 -7.3% 88,656 0.0% 0.80 3.22 805American Bank, National Association Waco 2.1 9.75 0 9.96 413,892 -2.6% 361,516 0.0% 1.14 3.44 4,743Ballinger National Bank Ballinger 12.4 9.73 0 9.69 45,935 -0.3% 41,390 0.0% 0.70 3.37 324Brenham National Bank Brenham 5.0 9.73 0 9.92 304,343 4.9% 266,669 6.0% 1.18 3.68 3,449

Bank City

TopLevelTicker

TexasRatio

(%)

LeverageRatio

(%)

Tier 1Shortfall

(to 8%)

TCE/TA(%)

TotalAssets($000)

1-YearChange in

Total Assets(%)

TotalDeposits

($000)Brokered

(%)

LTMROAA

(%)

NIM(FTE)

(%)

LTM NetIncome

($000)


Community National Bank Midland 22.4 9.72 0 9.59 1,080,518 -8.2% 962,451 0.0% 0.56 3.49 6,175Fayetteville Bank Fayetteville 1.7 9.72 0 10.72 430,974 9.4% 381,564 0.0% 0.98 3.50 3,973First National Bank of Weatherford Weatherford 3.6 9.72 0 8.84 217,897 8.0% 195,739 1.1% 1.64 4.94 3,425First State Bank Mesquite 28.0 9.70 0 8.86 178,267 2.9% 161,550 0.0% -0.18 1.95 -314Bank and Trust of Bryan/College Station Bryan 0.6 9.69 0 9.47 498,383 12.4% 438,858 0.1% 1.35 4.01 6,326Citizens State Bank Roma 8.8 9.68 0 10.01 84,496 0.3% 70,952 0.0% 1.07 5.08 898Third Coast Bank, SSB Humble 7.3 9.67 0 9.42 424,554 14.2% 375,628 1.3% 0.70 4.58 2,837Pilgrim Bank Pittsburg 5.1 9.66 0 9.68 570,478 -7.6% 474,376 0.0% 0.97 3.35 5,766Wellington State Bank Wellington 4.6 9.64 0 10.40 351,868 39.4% 310,182 0.0% 1.10 3.98 3,028R Bank Round Rock 3.3 9.63 0 9.44 393,991 28.6% 341,366 0.0% 0.49 3.72 1,692United Bank of El Paso del Norte El Paso 10.2 9.61 0 9.68 216,535 2.3% 175,907 0.0% 1.02 4.65 2,171Benchmark Bank Plano 13.4 9.60 0 8.95 527,637 10.3% 438,446 2.4% 1.10 4.81 5,307FirstCapital Bank of Texas, N.A. Midland 3.5 9.60 0 9.59 986,639 1.8% 784,917 24.1% 0.81 4.06 7,915Spirit of Texas Bank, SSB College Station 4.7 9.60 0 9.20 861,886 12.0% 674,942 0.0% 0.78 4.47 6,453Heritage Bank Pearland 8.1 9.59 0 8.94 225,312 15.7% 186,968 0.0% 0.89 4.65 1,865Inwood National Bank Dallas 0.3 9.59 0 9.28 2,276,422 19.0% 1,989,614 1.9% 1.93 3.55 40,747Liberty Capital Bank Addison 12.1 9.59 0 9.24 198,625 19.4% 173,697 0.0% 1.52 3.31 2,755LegacyTexas Bank Plano LTXB 7.4 9.58 0 9.06 7,564,650 16.2% 5,343,169 7.2% 1.19 4.08 79,691Texas Bank Henderson 9.1 9.58 0 10.32 344,441 -1.6% 278,765 0.0% 1.00 4.56 3,469Community Bank Longview 8.8 9.57 0 9.23 223,981 1.9% 193,250 0.0% 2.05 3.59 4,474State Bank of Texas Houston 2.0 9.57 0 9.73 160,169 -3.4% 144,015 0.0% 0.45 2.78 781Lamesa National Bank Lamesa 16.1 9.56 0 10.09 294,901 -7.1% 264,653 0.0% 1.09 2.48 3,388Mills County State Bank Goldthwaite 7.2 9.55 0 10.04 301,249 4.2% 268,135 0.0% 1.01 3.68 2,940Guaranty Bank & Trust, N.A. Mount Pleasant GNTY 4.2 9.54 0 8.89 1,792,866 19.9% 1,532,181 0.0% 0.75 3.52 12,091Peoples Bank Lubbock 4.3 9.54 0 9.50 401,604 12.1% 359,186 1.1% 1.04 4.39 4,048First National Bank of Bosque County Valley Mills 3.5 9.53 0 9.47 120,015 5.9% 107,821 0.0% 0.77 3.10 893Extraco Banks, National Association Temple 1.0 9.52 0 9.58 1,365,633 0.8% 1,060,619 2.2% 0.96 3.49 13,129Tejas Bank Monahans 18.3 9.51 0 9.80 130,117 -17.7% 115,035 0.0% 2.00 4.42 2,605Union State Bank Florence 4.2 9.51 0 9.56 471,637 -5.2% 413,155 6.0% 0.71 2.90 3,384Texas National Bank of Jacksonville Jacksonville 7.7 9.50 0 9.12 478,011 10.8% 400,936 4.0% 1.27 4.17 5,722WestStar Bank El Paso 4.0 9.50 0 9.34 1,238,306 13.5% 1,114,185 0.0% 2.12 4.13 23,567Capital Bank, SSB El Paso 2.8 9.49 0 9.60 355,525 19.3% 284,372 0.0% 0.35 3.39 1,193First State Bank of Brownsboro Brownsboro 12.6 9.49 0 9.55 103,274 3.7% 90,811 0.0% 0.92 3.88 914Roscoe State Bank Roscoe 0.0 9.49 0 10.90 153,501 -5.1% 136,515 0.0% 0.96 4.02 1,494Blanco National Bank Blanco 1.0 9.48 0 9.92 182,882 5.5% 164,178 0.0% 1.00 4.59 1,795Veritex Community Bank Dallas VBTX 1.6 9.48 0 9.04 1,130,218 39.8% 960,396 13.2% 1.08 3.87 10,527Austin County State Bank Bellville 1.8 9.47 0 9.59 133,629 7.6% 117,033 2.9% 1.48 4.39 1,893Citizens Bank Amarillo 0.0 9.47 0 9.46 148,050 -4.5% 129,294 0.0% 1.82 4.44 2,638Stockmens National Bank in Cotulla Cotulla 0.4 9.47 0 9.51 100,775 -23.8% 91,073 0.0% 0.95 1.87 1,027Alliance Bank Sulphur Springs 5.1 9.45 0 9.39 681,401 4.3% 596,443 1.0% 1.03 3.06 6,785American Bank of Commerce Wolfforth 1.9 9.44 0 9.53 779,094 6.9% 685,191 0.0% 0.75 3.71 5,637Citizens Bank, National Association Abilene 2.0 9.43 0 9.69 105,152 0.4% 78,551 0.0% 1.98 4.45 2,105Panola National Bank Carthage 2.5 9.43 0 9.62 127,061 -4.3% 114,305 0.0% 0.90 3.24 1,164First National Bank of Trinity Trinity 1.2 9.41 0 9.30 58,213 3.3% 52,628 0.0% 1.13 3.69 654Texas Bank Financial Weatherford 4.3 9.40 0 9.11 181,401 40.6% 158,930 0.0% 2.86 5.43 4,448Texas First Bank Texas City 10.3 9.40 0 9.22 977,086 4.7% 879,947 0.0% 1.31 4.07 12,346Cowboy Bank of Texas Maypearl 2.6 9.39 0 9.48 70,078 15.8% 63,372 7.5% 2.46 4.72 1,625

Bank City

TopLevelTicker

TexasRatio

(%)

LeverageRatio

(%)

Tier 1Shortfall

(to 8%)

TCE/TA(%)

TotalAssets($000)

1-YearChange in

Total Assets(%)

TotalDeposits

($000)Brokered

(%)

LTMROAA

(%)

NIM(FTE)

(%)

LTM NetIncome

($000)


NexBank SSB Dallas 1.3 9.39 0 8.32 2,983,616 44.0% 2,077,104 2.5% 2.32 3.00 55,130First National Bank of Paducah Paducah 10.6 9.38 0 9.23 45,564 0.0% 41,321 10.6% -0.02 3.02 -8Alliance Bank Central Texas Waco 11.1 9.37 0 9.11 206,751 11.1% 175,480 0.0% 0.46 3.48 891First National Bank of Ballinger Ballinger 2.7 9.37 0 9.65 149,924 1.8% 134,096 0.0% 1.18 4.23 1,797Green Bank, National Association Houston GNBC 30.1 9.37 0 9.08 3,831,985 70.7% 3,060,365 4.6% 0.51 3.95 15,364State National Bank of Big Spring Big Spring 1.3 9.37 0 9.76 321,061 -5.7% 289,323 0.0% 0.48 1.93 1,524Guadalupe National Bank Kerrville 0.3 9.35 0 9.39 128,627 3.8% 116,288 0.0% 1.23 4.05 1,516Texas National Bank Mercedes 9.7 9.35 0 8.93 202,830 42.7% 163,508 0.0% 0.98 5.50 1,672Community Bank of Snyder Snyder 1.5 9.34 0 9.62 117,544 -14.9% 105,440 0.0% 0.22 2.87 287Jacksboro National Bank Jacksboro 7.5 9.33 0 10.20 252,424 -2.8% 225,565 0.0% 1.20 3.79 3,083Hondo National Bank Hondo 1.4 9.32 0 9.95 235,228 -12.9% 210,892 0.0% 1.31 3.78 3,177City National Bank of Colorado City Colorado City 1.5 9.30 0 9.17 124,985 -6.3% 113,446 0.0% 1.37 3.25 1,746Lakeside National Bank Rockwall 17.4 9.30 0 9.21 62,270 2.6% 56,475 0.0% 0.55 3.18 338Texas Bank and Trust Company Longview 7.4 9.30 0 8.92 2,263,060 13.1% 2,031,411 2.5% 1.10 3.51 23,416Ennis State Bank Ennis 16.2 9.29 0 9.49 174,396 17.2% 148,046 0.0% 1.27 4.61 2,125Texas Community Bank Laredo 2.1 9.29 0 9.31 1,197,282 -3.6% 1,062,039 5.0% 0.82 2.91 10,003Interstate Bank, SSB Perryton 14.9 9.28 0 10.02 175,953 -7.3% 154,369 0.6% 1.21 3.75 2,239First State Bank Graham 2.2 9.27 0 9.39 146,481 -0.2% 116,584 7.5% 1.57 3.89 2,273Liberty Bank Hurst 8.5 9.25 0 8.74 433,568 7.1% 381,544 0.7% 0.78 3.98 3,169City Bank Lubbock 8.8 9.24 0 9.36 2,544,627 6.4% 2,163,563 6.5% 1.12 3.87 27,413Arrowhead Bank Llano 1.2 9.23 0 9.20 165,779 4.7% 150,382 0.0% 0.54 3.07 875Icon Bank of Texas, National Association Houston 9.9 9.22 0 8.91 744,612 12.1% 567,785 0.0% 0.97 5.27 6,820First National Bank of Evant Evant 8.0 9.21 0 9.08 76,503 2.6% 69,433 0.0% 1.95 4.39 1,454Texas Citizens Bank, National Association Pasadena 12.5 9.21 0 9.20 382,127 8.7% 331,070 6.2% 0.35 5.08 1,298Crowell State Bank Crowell 5.1 9.20 0 9.39 36,666 2.6% 32,833 0.0% 1.70 4.09 613Texas National Bank Sweetwater 0.3 9.19 0 9.60 134,659 -1.2% 120,731 0.0% 0.73 2.94 960Capital Bank Houston 6.6 9.18 0 9.11 353,963 8.9% 308,493 1.8% 1.03 4.51 3,485Pointbank Pilot Point 2.4 9.18 0 9.88 475,817 9.4% 424,831 0.5% 1.10 4.01 4,907First Bank Texas, SSB Baird 17.2 9.16 0 8.23 421,178 2.7% 370,111 0.0% 0.73 5.02 3,090Texas Heritage Bank Boerne 20.3 9.15 0 9.03 130,517 4.7% 110,899 0.0% 1.38 4.20 1,712Texan Bank, National Association Houston 11.6 9.14 0 9.55 203,648 13.9% 182,359 0.0% 0.17 3.69 347FirstBank Southwest Amarillo 2.4 9.13 0 9.27 941,009 -6.1% 838,593 0.0% 1.09 2.96 10,392First National Bank of Central Texas Waco 3.1 9.12 0 9.21 754,669 -2.3% 670,963 0.0% 1.85 3.72 14,367Community National Bank Hondo 4.0 9.11 0 9.41 194,765 -0.7% 172,295 0.0% 0.76 3.81 1,464Karnes County National Bank of Karnes City Karnes City 2.3 9.11 0 9.24 373,313 -1.7% 336,677 0.0% 1.14 3.04 4,239First National Bank of Beeville Beeville 6.0 9.10 0 9.02 321,626 -1.5% 280,149 0.0% 1.04 3.80 3,266Farmers State Bank Groesbeck 1.3 9.08 0 9.65 132,638 -1.6% 114,772 0.0% 1.23 4.05 1,639HomeBank Texas Seagoville 12.0 9.07 0 8.61 147,990 18.5% 134,148 0.0% 1.01 4.05 1,322USAA Federal Savings Bank San Antonio 9.1 9.07 0 8.13 75,057,788 6.9% 67,257,795 11.0% 0.96 4.60 663,155First State Bank Gainesville 2.2 9.04 0 8.38 1,004,582 2.7% 899,668 0.0% 1.16 3.53 11,521Fayette Savings Bank, SSB La Grange 1.2 9.03 0 9.11 101,880 2.5% 91,955 0.0% 1.30 3.62 1,334First National Bank of Burleson Burleson 0.1 9.03 0 8.78 188,303 3.0% 171,376 0.0% 1.14 3.45 2,108State National Bank of Groom Groom 43.4 9.02 0 8.92 38,993 3.7% 35,477 0.0% 0.31 4.36 114Vantage Bank Texas San Antonio 7.4 9.02 0 9.34 475,457 11.5% 426,106 0.0% 1.10 3.86 5,076Crockett National Bank San Antonio 5.0 9.01 0 8.30 619,593 13.3% 476,681 0.0% 2.49 3.85 14,375First National Bank of Lake Jackson Lake Jackson 0.0 8.97 0 11.08 252,220 6.5% 224,019 0.0% 1.14 2.33 2,843Citizens National Bank Crockett 2.1 8.96 0 9.58 98,475 2.7% 86,929 0.0% 0.48 3.44 465

Bank City

TopLevelTicker

TexasRatio

(%)

LeverageRatio

(%)

Tier 1Shortfall

(to 8%)

TCE/TA(%)

TotalAssets($000)

1-YearChange in

Total Assets(%)

TotalDeposits

($000)Brokered

(%)

LTMROAA

(%)

NIM(FTE)

(%)

LTM NetIncome

($000)


Texas Capital Bank, National Association Dallas TCBI 10.7 8.93 0 7.66 20,205,115 16.7% 16,353,064 8.0% 0.75 3.13 141,494First Bank & Trust East Texas Diboll 7.2 8.92 0 9.34 969,567 3.6% 869,976 0.0% 1.26 4.03 11,906Morris County National Bank Naples 7.4 8.92 0 9.75 97,251 2.7% 86,285 0.0% 1.18 4.37 1,142Rio Bank McAllen 9.8 8.91 0 8.73 286,289 7.8% 256,070 0.0% 1.03 5.07 2,794Bank of San Antonio San Antonio 0.0 8.89 0 8.74 563,526 12.4% 481,771 0.0% 0.89 3.57 4,772Fannin Bank Bonham 10.3 8.89 0 8.55 90,191 7.3% 81,842 0.0% 1.18 4.73 1,012First National Bank of Anson Anson 5.6 8.88 0 9.18 60,268 0.3% 54,597 0.0% 0.55 4.26 329Classic Bank, National Association Cameron 17.4 8.86 0 9.34 300,995 5.8% 269,520 0.0% 1.07 4.04 3,071Bridge City State Bank Bridge City 7.6 8.85 0 8.98 190,876 7.5% 173,163 0.0% 0.88 3.26 1,623First Bank of Celeste Celeste 4.0 8.84 0 8.84 43,074 1.4% 39,152 0.0% 0.85 3.90 359Bank of the West Grapevine 11.1 8.83 0 8.81 416,667 6.0% 378,297 0.0% 0.95 4.48 3,904Pinnacle Bank Keene 9.5 8.81 0 8.77 740,913 13.2% 645,411 0.0% 1.81 3.97 12,210Citizens State Bank Miles 0.2 8.80 0 8.34 123,342 24.2% 112,892 0.0% 2.79 5.42 3,095Kleberg Bank, N.A. Kingsville 2.7 8.80 0 9.21 502,292 1.2% 392,376 0.0% 0.96 3.74 4,758Angelina Savings Bank, SSB Lufkin 7.0 8.79 0 8.76 63,709 1.7% 57,883 0.0% 0.49 3.51 315First Financial Bank, National Association Abilene FFIN 4.5 8.78 0 9.48 6,503,755 8.3% 5,152,896 0.2% 1.56 4.18 98,384First State Bank Spearman 5.9 8.77 0 7.44 128,209 -3.9% 114,746 0.0% 0.95 3.03 1,247Castroville State Bank Castroville 0.8 8.76 0 9.27 142,104 2.2% 128,575 0.0% 0.88 3.25 1,212West Texas National Bank Midland 10.1 8.75 0 9.38 1,148,079 8.3% 1,028,509 0.0% 1.19 3.42 12,962TIB-The Independent BankersBank Farmers Branch 0.2 8.74 0 8.76 2,681,423 17.1% 2,098,874 14.9% 0.80 1.68 19,960Bank and Trust, SSB Del Rio 0.9 8.70 0 9.17 439,616 0.9% 374,471 0.0% 1.36 3.59 5,899Greater State Bank Falfurrias 20.6 8.70 0 8.66 68,789 4.9% 60,698 0.0% -0.46 5.13 -306Peoples State Bank Shepherd 0.6 8.70 0 8.58 116,544 0.2% 106,151 0.0% 0.79 3.41 869AimBank Littlefield 9.9 8.69 0 8.62 829,349 2.5% 742,131 6.8% 1.33 3.88 10,770Commercial National Bank of Texarkana Texarkana 4.3 8.68 0 8.60 201,496 4.6% 184,004 0.0% 1.35 3.50 2,768Texas Regional Bank Harlingen 9.7 8.67 0 8.37 596,030 32.5% 530,690 0.0% 0.50 4.09 2,595First National Bank of Fort Stockton Fort Stockton 5.9 8.66 0 8.95 103,343 23.8% 92,698 0.0% 0.48 3.74 492First National Bank of Tom Bean Tom Bean 8.5 8.66 0 7.74 80,328 17.6% 73,643 0.0% 1.14 4.18 799First-Lockhart National Bank Lockhart 1.7 8.66 0 8.82 224,396 9.8% 198,891 0.0% 1.21 3.90 2,618American State Bank Arp 7.3 8.65 0 8.88 274,963 -5.1% 238,676 0.0% 0.33 3.71 915First State Bank Louise 1.0 8.65 0 8.83 365,578 3.8% 331,290 1.2% 1.60 4.70 5,832Texas State Bank Lufkin 38.5 8.65 0 8.84 115,891 -0.3% 104,910 0.0% 0.25 4.54 294Texas Champion Bank Corpus Christi 48.8 8.64 0 8.67 381,606 -10.9% 293,585 5.2% -0.14 4.37 -558Central National Bank Waco 0.3 8.61 0 8.54 782,634 4.0% 676,872 0.6% 1.69 3.56 12,837Chasewood Bank Houston 18.4 8.60 0 8.51 103,052 -2.0% 94,128 0.0% -0.13 2.74 -137Commercial State Bank Palmer 16.8 8.59 0 8.91 71,782 -5.5% 64,383 0.0% 0.96 4.26 703Southwest Bank Odessa 9.6 8.59 0 8.88 329,539 -1.9% 288,618 0.0% 1.38 4.31 4,580Bank of South Texas Pharr 9.4 8.58 0 8.55 110,115 17.2% 90,176 0.0% 0.68 5.96 694Brady National Bank Brady 1.6 8.58 0 8.71 115,795 5.6% 105,512 0.0% 0.86 2.97 969First Texas Bank Georgetown 3.0 8.58 0 8.52 602,823 9.0% 548,175 0.0% 0.66 2.46 3,838State National Bank in West West 7.0 8.58 0 8.61 69,562 -2.8% 63,502 0.0% 0.15 2.25 105Texas Advantage Community Bank, National Association Alvin 0.6 8.57 0 8.60 107,397 -2.2% 98,077 1.2% 0.26 3.39 289American Bank, National Association Corpus Christi 12.0 8.56 0 9.37 1,267,784 -1.1% 1,147,404 0.0% 1.14 3.75 14,677Independent Bank McKinney IBTX 6.5 8.55 0 8.41 5,259,773 23.6% 4,174,877 12.0% 1.07 4.26 49,929First Community Bank, National Association San Benito 4.7 8.53 0 8.65 338,302 5.2% 306,787 0.0% 0.92 4.75 3,074Unity National Bank of Houston Houston 45.5 8.53 0 7.64 84,003 2.5% 76,409 4.3% 0.14 4.08 115First National Bank of McGregor McGregor 0.2 8.52 0 8.17 210,228 36.5% 191,878 26.7% 1.23 4.96 2,322

Bank City

TopLevelTicker

TexasRatio

(%)

LeverageRatio

(%)

Tier 1Shortfall

(to 8%)

TCE/TA(%)

TotalAssets($000)

1-YearChange in

Total Assets(%)

TotalDeposits

($000)Brokered

(%)

LTMROAA

(%)

NIM(FTE)

(%)

LTM NetIncome

($000)


Lovelady State Bank Lovelady 12.9 8.52 0 8.57 49,515 -0.4% 45,221 0.0% 0.71 3.57 353Jefferson Bank San Antonio 5.6 8.51 0 8.02 1,624,654 9.1% 1,342,263 0.0% 1.39 3.53 21,432Texana Bank, National Association Linden 12.2 8.51 0 8.76 148,270 -2.2% 113,528 12.6% -0.73 4.86 -1,079Woodforest National Bank The Woodlands 6.1 8.51 0 8.23 4,912,925 6.2% 4,426,761 0.0% 1.78 2.79 80,878Citizens State Bank Anton 0.0 8.50 0 8.61 33,176 -5.1% 30,118 0.0% 0.57 3.04 191Community Bank Bridgeport 0.6 8.50 0 8.49 73,918 2.8% 67,590 0.0% 0.36 3.49 266First National Bank of Lipan Lipan 4.8 8.47 0 8.41 21,248 9.1% 19,444 0.0% 0.41 2.99 83Security State Bank Winters 1.3 8.46 0 8.84 53,587 -8.0% 48,550 0.0% 0.89 3.12 499Central Bank Houston CBSI 0.1 8.41 0 8.29 583,499 8.3% 492,913 4.0% 1.44 5.03 8,099Business Bank of Texas, N.A. Austin 0.0 8.39 0 8.59 121,459 -0.6% 105,950 21.7% -1.81 3.25 -2,248Falls City National Bank Falls City 15.3 8.36 0 8.52 347,451 -2.2% 316,885 0.0% 1.44 3.70 4,994Grand Bank of Texas Grand Prairie 5.7 8.36 0 7.89 276,253 24.7% 253,302 1.0% 0.71 4.88 1,758POINTWEST Bank West 0.3 8.34 0 8.32 101,485 1.6% 86,762 0.0% 0.85 2.93 873First State Bank Clute 7.1 8.33 0 8.43 170,529 -3.5% 155,167 0.0% 0.73 3.21 1,232Commercial Bank Mason 0.0 8.31 0 8.61 41,065 2.6% 35,956 0.0% 0.99 4.11 392First State Bank Junction 0.3 8.30 0 8.93 49,272 -2.6% 44,529 0.0% 0.89 3.74 436American National Bank of Texas Terrell 2.5 8.28 0 8.57 2,606,488 4.7% 2,331,028 0.7% 0.88 3.57 22,801Southside Bank Tyler SBSI 5.3 8.27 0 8.31 5,014,565 6.2% 3,623,518 2.5% 1.04 3.41 51,222Farmers State Bank of Newcastle Newcastle 2.2 8.24 0 8.53 44,668 -1.5% 40,671 0.0% 0.99 3.60 441Fort Hood National Bank Fort Hood 0.0 8.20 0 8.16 251,656 4.3% 224,528 0.0% 0.72 2.31 1,626Brush Country Bank Freer 3.9 8.19 0 8.04 44,365 -2.4% 40,127 0.0% 0.67 4.09 300Peoples Bank Paris 3.6 8.18 0 8.72 137,363 16.9% 88,329 0.9% 1.19 3.83 1,515National Bank of Texas at Fort Worth Fort Worth 0.6 8.16 0 8.29 210,292 3.5% 192,388 0.0% 0.69 3.12 1,439Horizon Bank, SSB Austin 1.5 8.15 0 7.51 712,203 19.4% 615,133 5.1% 1.50 4.76 9,290Security Bank Midland 13.9 8.14 0 8.38 846,359 -10.6% 740,238 0.0% 0.70 4.89 6,200Bank of Brenham, National Association Brenham 2.0 8.13 0 7.99 239,097 81.3% 209,243 0.0% 0.76 3.58 1,311Citizens State Bank Waco 9.4 8.10 0 7.63 171,053 11.4% 132,456 0.0% 0.84 4.46 1,269First National Bank of Edgewood Edgewood 0.0 8.07 0 8.25 24,465 18.6% 22,376 0.0% 0.20 2.93 47First National Bank of Shiner Shiner 0.0 8.07 0 9.48 648,355 17.2% 580,692 0.0% 1.09 3.55 6,335First National Bank of Woodsboro Woodsboro 5.3 8.05 0 8.73 65,788 4.7% 60,029 0.0% 0.44 3.11 276Frost Bank San Antonio CFR 7.5 7.98 5,375 8.48 28,467,954 1.0% 24,253,057 0.0% 1.00 3.33 279,307First National Bank Texas Killeen 1.9 7.97 494 8.15 1,612,951 14.8% 1,424,636 0.1% 0.99 3.04 14,310First State Bank of San Diego San Diego 1.3 7.90 74 7.75 75,126 -9.5% 69,244 0.0% 1.08 3.12 790First Bank and Trust of Childress Childress 50.2 7.89 96 7.94 90,846 4.8% 83,452 0.0% 0.91 3.30 812First Command Bank Fort Worth 2.6 7.82 1,253 7.31 744,589 3.0% 659,925 0.0% 1.57 2.79 10,819First Commercial Bank, National Association Seguin 0.0 7.80 322 7.77 163,486 5.4% 149,755 0.0% 0.84 4.30 1,311Atascosa National Bank Pleasanton 0.0 7.68 297 7.60 93,381 -9.2% 86,129 0.0% 0.25 1.48 234Pecos County State Bank Fort Stockton 11.3 7.61 918 8.03 232,907 7.6% 213,032 0.0% 1.10 3.73 2,450Texas First State Bank Riesel 3.0 7.60 1,531 7.62 387,806 -0.5% 356,914 0.0% 0.47 2.78 1,757First National Bank of Sterling City Sterling City 0.8 7.57 742 7.59 170,490 0.1% 157,141 0.0% 0.71 2.61 1,129Pegasus Bank Dallas 0.0 7.47 2,220 7.53 416,969 14.7% 384,594 0.0% 0.72 3.10 2,796Citizens National Bank Henderson 6.6 7.42 9,629 7.54 1,695,427 3.8% 1,520,997 0.0% 0.70 3.40 11,495Muleshoe State Bank Muleshoe 5.5 7.31 776 7.84 109,474 -1.3% 99,778 0.0% 0.58 3.59 659Community National Bank & Trust of Texas Corsicana 12.5 7.29 3,598 7.63 508,801 -4.4% 455,897 0.0% 1.23 4.65 6,478First State Bank Abilene 59.1 7.26 273 7.32 37,490 -10.3% 34,113 0.0% 0.25 2.89 100First National Bank of Mertzon Mertzon 2.7 7.25 2,409 7.02 329,614 -3.5% 306,250 0.0% 0.51 1.90 1,581Prosperity Bank El Campo PB 3.7 7.23 156,507 7.22 21,964,368 1.7% 17,899,090 0.8% 1.33 3.35 289,416

Bank City

TopLevelTicker

TexasRatio

(%)

LeverageRatio

(%)

Tier 1Shortfall

(to 8%)

TCE/TA(%)

TotalAssets($000)

1-YearChange in

Total Assets(%)

TotalDeposits

($000)Brokered

(%)

LTMROAA

(%)

NIM(FTE)

(%)

LTM NetIncome

($000)


Tolleson Private Bank Dallas 0.2 7.18 4,624 7.09 571,399 7.0% 529,872 0.2% 1.47 2.48 7,986First Security State Bank Cranfills Gap 4.0 7.13 977 7.18 113,129 -1.8% 103,674 0.0% 0.91 3.10 1,031First State Bank of Uvalde Uvalde 1.2 6.93 15,745 7.50 1,513,052 7.4% 1,388,410 0.0% 1.06 2.28 14,989Charter Bank Corpus Christi 8.6 6.54 3,963 8.98 270,502 0.0% 232,317 0.0% 2.90 6.80 7,857Citizens State Bank Ganado 0.0 6.42 989 6.33 62,254 -2.0% 58,043 0.0% -0.11 2.11 -70First Bank & Trust Company Dawson 18.2 6.40 625 6.56 38,680 -1.4% 36,092 0.0% -0.25 3.16 -99

Bank

SNL Institution Key City

TopLevelTicker

TexasRatio

(%)

LeverageRatio

(%)

Tier 1Shortfall

(to 8%)

TCE/TA(%)

TotalAssets($000)

1-YearChange in

Total Assets(%)

TotalDeposits

($000)Brokered

(%)

LTMROAA

(%)

NIM(FTE)

(%)

LTM NetIncome

($000)

None 0

Texas Banks, Texas Ratio >75%

Bank City

Top

Level

Ticker

Texas

Ratio

(%)

Leverage

Ratio

(%)

Tier 1

Shortfall

(to 8%)

TCE/

TA

(%)

Total

Assets

($000)

1-Year

Change in

Total Assets

(%)

Total

Deposits

($000)

Brokered

(%)

LTM

ROAA

(%)

NIM

(FTE)

(%)

LTM Net

Income

($000)

Grundy National Bank Grundy 32.1 21.46 0 21.13 330,300 2.8% 259,817 0.0% 0.86 3.63 2,797

Farmers & Merchants Bank of Craig County New Castle 3.4 18.74 0 18.81 55,879 1.3% 45,183 0.0% 1.05 4.02 586

Powell Valley National Bank Jonesville 7.8 16.53 0 16.65 268,153 -0.6% 220,011 0.0% 1.05 4.16 2,790

Bank of Southside Virginia Carson BSSC 8.1 16.15 0 16.65 543,932 -2.1% 446,262 0.0% 1.27 3.60 6,987

National Bank of Blacksburg Blacksburg NKSH 9.8 15.06 0 14.32 1,205,779 3.7% 1,018,829 0.0% 1.38 3.78 16,037

Lee Bank and Trust Company Pennington Gap 18.5 14.79 0 13.44 158,683 2.6% 135,391 0.0% 0.25 4.49 385

Martinsville First Savings Bank Martinsville 43.4 14.55 0 14.69 42,393 -0.8% 36,090 0.0% 0.68 3.09 289

Bank of Charlotte County Phenix 5.6 13.80 0 14.20 131,879 0.8% 107,795 0.0% 1.04 4.44 1,373

Virginia Bank and Trust Company Danville VABB 15.0 13.69 0 12.75 188,473 3.6% 162,168 0.0% 0.98 4.07 1,778

Citizens Bank and Trust Company Blackstone CZBT 17.2 13.19 0 13.00 348,438 2.1% 293,071 0.0% 1.07 3.68 3,699

Farmers and Miners Bank Pennington Gap 7.1 12.99 0 13.01 136,006 -1.2% 117,782 0.0% 0.76 4.32 1,039

Citizens National Bank Windsor 3.9 12.79 0 13.07 53,803 -3.4% 46,633 1.1% 0.38 4.45 208

Bank of Hampton Roads Virginia Beach HMPR 21.2 12.69 0 15.43 2,047,013 22.5% 1,696,561 2.9% 5.27 3.97 95,975

Community Capital Bank of Virginia Christiansburg 6.1 12.67 0 12.53 109,050 31.4% 88,694 36.8% 0.50 3.29 482

Farmers Bank of Appomattox Appomattox FBPA 3.5 12.57 0 12.46 227,730 4.3% 196,473 0.0% 1.03 3.90 2,287

Community Bankers' Bank Midlothian 4.6 12.45 0 12.05 145,981 2.7% 116,372 23.8% 0.50 2.48 704

Burke & Herbert Bank & Trust Company Alexandria BHRB 9.8 12.17 0 12.39 2,706,368 1.5% 2,225,778 1.5% 1.15 3.76 30,409

Freedom Bank of Virginia Fairfax FDVA 2.3 12.12 0 11.61 425,134 20.2% 365,263 19.4% 0.51 3.89 1,978

Blue Grass Valley Bank Blue Grass 51.9 12.09 0 12.04 37,980 -1.5% 33,237 0.0% 0.68 4.27 261

Farmers & Merchants Bank Timberville FMBM 16.7 11.98 0 11.65 687,870 6.6% 497,441 2.9% 1.30 4.37 8,531

First and Citizens Bank Monterey 15.3 11.90 0 11.96 125,323 -2.2% 109,733 0.0% 0.64 3.47 802

First Bank and Trust Company Lebanon 9.9 11.87 0 11.77 1,495,611 7.7% 1,243,674 9.4% 1.40 3.95 20,103

New Horizon Bank, National Association Powhatan 18.8 11.81 0 12.05 63,133 11.1% 55,359 3.1% 0.55 4.78 323

John Marshall Bank Reston JMSB 5.6 11.80 0 11.71 941,245 13.3% 738,067 11.4% 0.82 3.90 7,320

Highlands Community Bank Covington 8.2 11.55 0 12.37 134,659 1.6% 116,821 0.0% 1.19 4.12 1,577

American National Bank and Trust Company Danville AMNB 4.7 11.50 0 11.36 1,580,264 2.8% 1,297,645 2.4% 1.08 3.73 16,420

Bank of Clarke County Berryville EFSI 14.3 11.49 0 11.50 659,763 7.7% 560,633 4.1% 0.90 4.08 5,704

Benchmark Community Bank Kenbridge BMBN 8.1 11.46 0 11.48 535,440 8.6% 469,808 0.5% 1.25 4.64 6,451

Bank of Marion Marion 13.1 11.43 0 11.81 355,807 -1.2% 306,032 0.0% 0.70 3.66 2,503

Bank of McKenney McKenney BOMK 26.3 11.31 0 11.39 221,718 0.9% 193,718 0.6% 0.79 4.63 1,716

Farmers Bank Windsor FBVA 18.3 11.28 0 12.14 414,882 -2.1% 334,862 1.5% 1.03 3.72 4,245

Monarch Bank Chesapeake MNRK 2.0 11.26 0 10.66 1,212,196 2.9% 1,064,265 19.8% 1.25 4.29 14,010

CornerStone Bank, National Association Lexington 15.7 11.18 0 10.62 127,401 12.2% 113,658 0.0% 0.47 4.27 564

WashingtonFirst Bank Reston WFBI 6.7 11.13 0 10.82 1,755,481 22.2% 1,423,592 2.9% 1.00 3.73 15,541

Frontier Community Bank Waynesboro 2.0 10.94 0 10.83 103,438 11.3% 89,507 0.5% 0.34 3.20 337

HomeTown Bank Roanoke HMTA 17.6 10.86 0 10.76 493,322 12.8% 414,665 7.2% 0.82 3.79 3,805

Blue Ridge Bank Luray BRBS 1.2 10.79 0 10.78 269,717 10.6% 212,943 5.0% 1.06 3.69 2,739

Pioneer Bank Stanley PNBI 36.2 10.72 0 10.61 186,359 8.7% 150,216 4.7% 1.00 5.16 1,786

Sonabank McLean SONA 9.9 10.71 0 10.10 1,083,833 15.7% 859,182 9.7% 0.99 4.02 9,992

Virginia Banks, Texas Ratio <75%

Bank City

Top

Level

Ticker

Texas

Ratio

(%)

Leverage

Ratio

(%)

Tier 1

Shortfall

(to 8%)

TCE/

TA

(%)

Total

Assets

($000)

1-Year

Change in

Total Assets

(%)

Total

Deposits

($000)

Brokered

(%)

LTM

ROAA

(%)

NIM

(FTE)

(%)

LTM Net

Income

($000)


TowneBank Portsmouth TOWN 9.1 10.70 0 10.36 6,365,170 9.2% 4,981,843 5.2% 1.07 3.40 65,663

Chesapeake Bank Kilmarnock CPKF 15.1 10.64 0 11.18 688,748 4.4% 581,617 9.2% 1.13 4.69 7,489

Citizens Community Bank South Hill CZYB 4.9 10.60 0 10.56 186,277 7.9% 159,348 0.6% 0.51 3.87 896

United Bank Vienna UBSI 8.7 10.49 0 10.35 7,323,390 4.0% 4,911,779 8.9% 1.20 3.65 87,012

Virginia Community Bank Louisa VCBS 24.3 10.48 0 10.51 216,128 0.5% 192,723 0.0% 0.85 4.21 1,814

Bank @LANTEC Virginia Beach 6.0 10.44 0 11.43 111,581 3.3% 87,986 0.0% 0.19 3.26 213

Virginia Commonwealth Bank Petersburg 15.4 10.43 0 10.51 327,378 11.1% 243,305 1.3% 0.72 3.34 2,193

Old Point National Bank of Phoebus Hampton OPOF 11.8 10.35 0 10.10 851,716 -3.5% 727,096 1.0% 0.38 3.58 3,314

First Virginia Community Bank Fairfax FVCB 17.0 10.32 0 10.19 740,904 22.5% 660,697 13.9% 0.92 3.74 6,181

Xenith Bank Richmond XBKS 9.3 10.24 0 10.72 1,020,669 3.2% 872,408 13.5% 0.43 3.37 4,419

Oak View National Bank Warrenton OAKV 0.0 10.23 0 10.14 183,201 6.9% 146,924 0.0% 0.47 3.60 836

Cardinal Bank McLean CFNL 0.1 10.22 0 10.19 4,038,244 18.4% 3,178,481 15.2% 1.25 3.39 47,283

Union Bank & Trust Richmond UBSH 6.0 10.12 0 9.92 7,819,091 6.2% 5,952,737 0.1% 0.97 3.87 73,001

First Sentinel Bank Richlands 13.8 10.04 0 9.84 188,676 4.6% 163,751 0.2% 0.95 5.03 1,759

Bank of Botetourt Buchanan BORT 27.6 9.96 0 9.45 345,175 8.9% 310,050 0.6% 0.77 4.05 2,471

Citizens and Farmers Bank West Point CFFI 6.0 9.91 0 10.06 1,401,218 3.0% 1,075,225 0.3% 0.99 6.43 13,591

Select Bank Forest 7.6 9.91 0 9.44 158,728 15.1% 143,020 0.0% 0.74 3.60 1,087

New Peoples Bank, Inc. Honaker NWPP 47.6 9.83 0 9.74 636,156 -3.6% 556,817 2.2% 0.53 4.08 3,377

First National Bank Altavista PPBN 11.7 9.82 0 9.28 377,290 0.6% 338,779 0.0% 0.79 3.71 2,914

River Community Bank, National Association Martinsville 20.5 9.73 0 9.81 111,866 -4.7% 95,156 4.0% 1.25 5.20 1,453

Virginia National Bank Charlottesville VABK 2.9 9.69 0 9.77 555,407 2.2% 479,959 3.6% 0.80 3.31 4,462

Essex Bank Richmond ESXB 17.4 9.68 0 9.69 1,159,797 2.0% 937,236 6.8% -0.08 3.91 -881

Miners Exchange Bank Coeburn 25.5 9.67 0 9.84 109,178 3.7% 97,265 0.0% 0.39 4.54 426

EVB Tappahannock EVBS 17.4 9.55 0 9.94 1,285,435 7.6% 1,013,572 6.0% 0.78 3.92 9,686

First Community Bank Bluefield FCBC 14.9 9.52 0 9.78 2,447,052 -4.5% 1,879,773 0.1% 1.02 4.04 25,273

Village Bank Midlothian VBFC 53.4 9.50 0 9.45 420,588 -3.5% 371,229 0.4% 0.83 3.52 3,489

Peoples Bank Rose Hill 7.9 9.45 0 9.40 120,410 10.8% 103,256 5.5% 1.09 4.35 1,256

Bank of the James Lynchburg BOTJ 10.6 9.37 0 9.29 525,022 7.5% 474,626 2.5% 0.81 3.88 4,125

Grayson National Bank Independence GSON 27.7 9.33 0 9.70 319,720 -3.8% 277,693 0.0% 0.33 3.62 1,097

Fauquier Bank Warrenton FBSS 5.4 9.33 0 9.17 602,153 1.1% 526,734 3.9% -0.06 3.67 -352

Bank of Fincastle Fincastle BFTL 65.9 9.22 0 9.19 218,246 -2.4% 197,287 0.0% -2.64 3.21 -5,813

Middleburg Bank Middleburg MBRG 18.0 9.11 0 9.09 1,342,502 6.6% 1,086,041 5.4% 0.63 3.28 7,949

Bank of Lancaster Kilmarnock BAYK 18.3 9.03 0 8.79 442,263 13.1% 357,154 2.3% 0.20 3.55 849

Peoples Community Bank Montross PBVA 23.2 8.99 0 8.94 162,832 1.9% 142,257 3.3% 0.58 3.96 937

MainStreet Bank Fairfax MNSB 1.4 8.98 0 8.67 497,809 38.6% 403,223 4.6% 0.59 3.88 2,619

Old Dominion National Bank North Garden 28.3 8.90 0 9.18 45,634 4.1% 41,194 0.0% -4.91 3.12 -2,341

Virginia Partners Bank Fredericksburg 7.0 8.71 0 8.66 309,487 16.0% 261,461 6.0% 0.33 3.33 958

Access National Bank Reston ANCX 7.5 8.38 0 8.38 1,216,439 13.8% 970,153 21.5% 1.48 3.67 17,006

Chain Bridge Bank, National Association McLean 0.0 8.32 0 7.86 469,230 16.5% 431,030 0.3% 0.61 2.78 2,683

Bank City

Top

Level

Ticker

Texas

Ratio

(%)

Leverage

Ratio

(%)

Tier 1

Shortfall

(to 8%)

TCE/

TA

(%)

Total

Assets

($000)

1-Year

Change in

Total Assets

(%)

Total

Deposits

($000)

Brokered

(%)

LTM

ROAA

(%)

NIM

(FTE)

(%)

LTM Net

Income

($000)


Capital One, National Association McLean COF 13.0 8.28 0 8.30 271,187,531 7.1% 208,821,499 2.2% 0.50 3.78 1,296,139

First Bank Strasburg FXNC 10.7 8.22 0 7.91 700,500 32.3% 637,204 0.1% 0.55 3.54 3,752

TruPoint Bank Grundy 17.1 8.13 0 9.28 439,587 -2.2% 381,603 0.0% 0.02 3.25 102

Bank of Floyd Floyd CDBK 0.4 7.65 917 7.69 254,842 -8.2% 218,110 0.0% 0.31 3.38 824

Carter Bank & Trust Martinsville CARE 53.1 7.63 18,202 7.66 4,923,913 4.7% 4,480,474 0.0% 0.80 2.49 39,038

Highlands Union Bank Abingdon HLND 34.8 7.60 2,397 8.96 618,380 1.2% 494,035 0.0% 0.22 3.47 1,363

Bank of Virginia Midlothian BVA 15.1 7.43 2,000 7.46 347,783 7.2% 290,827 22.3% -0.13 2.74 -454

Bank City

Top

Level

Ticker

Texas

Ratio

(%)

Leverage

Ratio

(%)

Tier 1

Shortfall

(to 8%)

TCE/

TA

(%)

Total

Assets

($000)

1-Year

Change in

Total Assets

(%)

Total

Deposits

($000)

Brokered

(%)

LTM

ROAA

(%)

NIM

(FTE)

(%)

LTM Net

Income

($000)

First State Bank Danville 131.6 3.24 1,699 3.34 34,545 -12.5% 33,280 0.0% -1.60 4.58 -610

Virginia Banks, Texas Ratio >75%

Bank City

Top

Level

Ticker

Texas

Ratio

(%)

Leverage

Ratio

(%)

Tier 1

Shortfall

(to 8%)

TCE/

TA

(%)

Total

Assets

($000)

1-Year

Change in

Total Assets

(%)

Total

Deposits

($000)

Brokered

(%)

LTM

ROAA

(%)

NIM

(FTE)

(%)

LTM Net

Income

($000)

Citizens Bank of Morgantown, Inc. Morgantown 1.2 17.97 0 18.06 35,421 0.9% 22,492 0.0% 0.89 4.96 318

Hancock County Savings Bank, FSB Chester 8.1 16.97 0 17.40 340,375 -4.4% 270,369 0.0% 0.68 3.31 2,428

First Peoples Bank, Inc. Mullens 2.7 15.89 0 15.91 124,560 0.1% 104,393 2.0% 0.51 2.11 639

Bank of Monroe Union 5.2 15.33 0 14.57 125,885 2.5% 106,187 0.0% 1.02 3.86 1,258

Miners and Merchants Bank Thomas 5.4 15.33 0 15.25 55,645 1.9% 47,102 0.0% 0.49 2.90 266

Huntington Federal Savings Bank Huntington 6.5 15.07 0 14.61 551,429 1.8% 468,112 0.0% 0.62 2.66 3,383

Putnam County Bank Hurricane 23.3 14.00 0 13.46 653,562 2.9% 560,011 0.0% 1.01 3.20 6,462

Clay County Bank, Inc. Clay 3.7 13.91 0 13.94 84,287 2.8% 71,989 0.0% 1.10 4.32 909

First National Bank of Williamson Williamson 10.5 13.71 0 15.21 87,708 -7.7% 72,921 0.0% -0.79 4.42 -713

Mountain Valley Bank, N.A. Elkins MTVB 1.6 13.55 0 12.66 135,108 1.2% 113,576 0.0% 0.64 3.78 851

Pioneer Community Bank, Inc. Iaeger 23.8 13.36 0 13.52 115,363 -2.2% 96,898 0.0% 0.31 4.97 362

Grant County Bank Petersburg HBSI 19.0 13.15 0 11.94 249,552 4.3% 208,184 0.0% 1.02 4.49 2,479

Northern Hancock Bank & Trust Company Newell 32.5 12.91 0 13.12 26,115 -2.6% 22,136 0.0% 0.64 7.75 171

Pendleton Community Bank, Inc. Franklin 17.8 12.41 0 12.56 270,650 2.1% 230,704 0.6% 1.21 4.67 3,258

Davis Trust Company Elkins 49.8 12.22 0 10.10 146,059 1.0% 129,961 0.0% 0.42 3.95 588

First National Bank of Peterstown Peterstown 5.9 11.76 0 11.68 63,557 1.7% 55,960 0.0% 0.33 3.50 211

Williamstown Bank, Inc. Williamstown 13.7 11.76 0 11.84 150,254 -1.5% 131,651 0.0% 1.08 4.61 1,619

Bank of Mount Hope, Inc. Mount Hope 0.0 11.69 0 11.93 131,193 3.3% 107,820 0.0% 0.64 3.16 862

Bank of Romney Romney 37.4 11.60 0 10.33 260,451 -1.5% 197,634 2.5% 0.66 3.84 1,724

Clear Mountain Bank Bruceton Mills 12.5 11.04 0 10.82 533,930 4.7% 466,523 3.8% 1.02 4.05 5,322

First Century Bank, Inc. Bluefield FCBS 29.9 11.01 0 9.74 410,011 -0.5% 350,636 0.9% 0.65 3.46 2,686

Fayette County National Bank of Fayetteville Fayetteville 13.0 10.91 0 11.54 95,844 3.9% 80,565 0.0% 0.81 3.99 795

First Neighborhood Bank Spencer 2.9 10.87 0 10.72 145,299 -0.3% 128,544 0.0% 0.69 3.91 987

First Bank of Charleston, Inc. Charleston 22.0 10.87 0 10.78 198,403 -6.7% 150,108 30.4% 0.06 3.57 118

Community Bank of Parkersburg Parkersburg 8.9 10.85 0 11.17 230,395 -6.0% 168,235 0.0% 1.25 4.13 2,852

Capon Valley Bank Wardensville HBSI 31.6 10.81 0 10.78 150,124 -1.4% 129,720 2.0% 0.70 4.49 1,047

Premier Bank, Inc. Huntington PFBI 19.0 10.80 0 9.90 1,103,133 25.4% 950,768 0.1% 1.12 4.38 10,223

BCBank, Inc. Philippi 33.8 10.76 0 9.92 114,505 -1.5% 95,129 0.0% -0.23 3.61 -261

Citizens Bank of West Virginia, Inc. Elkins CIWV 22.2 10.72 0 9.61 233,020 5.3% 185,366 1.2% 0.70 4.19 1,554

Summit Community Bank, Inc. Moorefield SMMF 23.7 10.72 0 10.61 1,501,134 3.3% 1,096,880 12.7% 1.16 3.52 17,142

Pleasants County Bank Saint Marys 5.1 10.49 0 10.40 66,115 -6.7% 58,671 0.0% 0.63 3.41 422

Poca Valley Bank, Inc. Walton 10.2 10.49 0 10.94 323,569 -0.1% 275,975 1.8% 0.85 4.17 2,723

Rock Branch Community Bank, Inc. Nitro 23.2 10.43 0 10.67 74,955 2.6% 66,735 14.8% 0.49 4.26 361

Citizens Bank of Weston, Inc. Weston 16.6 10.34 0 10.02 197,526 1.4% 165,034 0.0% 0.92 3.24 1,785

CNB Bank, Inc. Berkeley Springs CBFC 15.2 10.24 0 9.08 321,929 4.8% 272,077 0.0% 0.61 3.70 1,923

United Bank, Inc. Parkersburg UBSI 15.8 10.13 0 9.78 5,465,656 2.3% 4,461,761 14.2% 1.03 3.41 55,380

Doolin Security Savings Bank, FSB New Martinsville 2.3 10.12 0 11.08 48,033 -2.5% 42,472 0.0% -1.26 2.36 -619

Calhoun County Bank, Inc. Grantsville CHBK 16.4 10.11 0 9.65 133,167 1.6% 116,449 0.0% 0.71 4.71 937

Harrison County Bank Lost Creek 2.3 9.97 0 9.88 106,662 2.5% 95,648 0.0% 0.83 3.64 864

MCNB Bank and Trust Co. Welch MKIN 64.8 9.90 0 9.99 295,857 0.3% 253,769 2.2% -0.03 3.34 -82

First Exchange Bank Mannington 23.1 9.83 0 9.96 221,598 7.7% 183,240 0.0% 1.65 4.03 3,565

First Sentry Bank, Inc. Huntington FTSB 8.5 9.67 0 9.56 512,555 2.3% 411,137 21.1% 0.98 3.59 4,947

West Virginia Banks, Texas Ratio <75%

Bank City

Top

Level

Ticker

Texas

Ratio

(%)

Leverage

Ratio

(%)

Tier 1

Shortfall

(to 8%)

TCE/

TA

(%)

Total

Assets

($000)

1-Year

Change in

Total Assets

(%)

Total

Deposits

($000)

Brokered

(%)

LTM

ROAA

(%)

NIM

(FTE)

(%)

LTM Net

Income

($000)

West Virginia Banks, Texas Ratio <75%

Progressive Bank, National Association Wheeling FWVB 8.9 9.63 0 10.17 347,067 1.9% 278,469 0.0% 0.61 3.04 2,062

Cornerstone Bank, Inc. West Union 1.2 9.62 0 9.69 173,090 -2.4% 154,653 0.0% 0.70 2.61 1,231

Freedom Bank, Inc. Belington 53.4 9.60 0 9.71 156,895 3.5% 135,111 1.0% 0.50 3.69 763

Bank of Charles Town Charles Town PTBS 23.6 9.38 0 8.73 356,201 9.6% 310,269 4.4% 0.76 3.64 2,566

MVB Bank, Inc. Fairmont MVBF 11.4 9.34 0 8.74 1,430,295 19.8% 1,095,846 2.7% 0.81 3.67 10,353

FNB Bank, Inc. Romney 32.6 9.19 0 10.24 173,852 2.7% 139,631 11.1% 0.73 3.77 1,276

Logan Bank & Trust Company Logan 8.3 9.15 0 8.99 267,322 -1.4% 241,486 0.0% 0.51 2.72 1,357

WesBanco Bank, Inc. Wheeling WSBC 6.6 8.80 0 8.72 8,553,796 4.2% 6,143,904 6.2% 1.11 3.41 93,186

Main Street Bank Corp. Wheeling 20.1 8.64 0 8.40 383,808 10.7% 327,051 10.5% 1.20 4.17 4,258

Whitesville State Bank Whitesville 16.1 8.62 0 8.78 105,248 4.3% 95,298 2.3% 0.38 4.15 384

West Union Bank West Union 3.1 8.58 0 8.71 163,992 1.3% 145,406 0.0% 0.54 3.08 877

First Federal Savings and Loan Association of Ravenswood Ravenswood 0.0 8.42 0 9.83 16,879 1.8% 15,155 0.0% 0.45 3.64 75

Jefferson Security Bank Shepherdstown JFWV 34.4 8.23 0 7.58 284,356 -0.1% 259,578 0.0% 0.44 3.08 1,246

City National Bank of West Virginia Charleston CHCO 14.8 8.04 0 7.34 3,812,796 7.8% 3,218,151 0.2% 1.35 3.54 48,741

Union Bank, Inc. Middlebourne 3.7 7.74 594 8.92 237,051 -0.2% 206,704 1.7% 1.19 3.27 2,789

Bank of Mingo Williamson 29.4 6.40 1,272 6.57 78,048 -18.4% 72,847 0.0% -1.20 3.78 -1,024

Bank City

Top

Level

Ticker

Texas

Ratio

(%)

Leverage

Ratio

(%)

Tier 1

Shortfall

(to 8%)

TCE/

TA

(%)

Total

Assets

($000)

1-Year

Change in

Total Assets

(%)

Total

Deposits

($000)

Brokered

(%)

LTM

ROAA

(%)

NIM

(FTE)

(%)

LTM Net

Income

($000)

First State Bank Barboursville 268.2 5.77 5,183 6.49 227,766 -9.3% 207,299 14.6% -1.84 3.78 -4,418

West Virginia Banks, Texas Ratio >75%

Arkansas: Tennessee:

Simmons First Trust Company

Florida:

Virginia:

Banco Do Brasil Americas

Canandaigua National Trust Company of Florida

Desjardins Bank, National Association

MEMBERS Trust Company

Mercantil Commercebank N.A.

Mercantil Commercebank Trust Company, N.A.

Raymond James Trust, National Association

Natbank, National Association

Independence Trust Company

First Financial Trust & Asset Management Co.

Legacy Trust Company, N.A.

Wells Fargo Bank South Central, N.A.

Capital One Bank (USA), N.A.

E*TRADE Bank

E*TRADE Savings Bank

HSBC Bank USA, N.A.

Old Point Trust & Financial Services, N.A. Trust

Company of Virginia

NatBank N.A.

VNBTrust, National Association

West Virginia:

TCM Bank

Security National Trust Company

Georgia:

Atlantic Trust Company, N.A.

Synovus Trust Company, N.A.

Kentucky:

Unified Trust Company, National Association

North Carolina:

Cedar Hill National Bank

RBC Bank (Georgia), National Association

Excluded Companies

Excluded companies are usually special-purpose banks (such as trust banks), subsidiaries of foreign companies, or companies for which

necessary data is not available as of the report date.

Texas:

Disclaimer

desire and, in fact, provides only a limited view of a particular market.

This material has been prepared by individual personnel of Banks Street Partners, and not by a research

department. It is not investment research or a research recommendation, as it does not constitute substantive

research or analysis. It is intended for institutional customers and accredited investors of BANKS STREET

PARTNERS, LLC only, is provided for informational purposes, is intended for your use only and does not

constitute an invitation or offer to subscribe for or purchase any of the products or services mentioned. The

information provided is not intended to provide a sufficient basis on which to make an investment decision. This

material may have previously been communicated to other BANKS STREET PARTNERS, LLC clients.

BANKS STREET PARTNERS, LLC may, from time to time, participate or invest in transactions with issuers of

securities that participate in the markets referred to herein, perform services for or solicit business from such

issuers, and/or have a position or effect transactions in the securities or derivatives thereof.

Past performance should not be taken as an indication or guarantee of future performance, and no representation

or warranty, expressed or implied is made regarding future performance. The information set forth above has

been obtained from or based upon sources believed by BANKS STREET PARTNERS, LLC and personnel to be

reliable, but each of the personnel and BANKS STREET PARTNERS, LLC does not represent or warrant its

accuracy or completeness and is not responsible for losses or damages arising out of errors, omissions or changes

in market factors. This material does not purport to contain all of the information that an interested party may

Source: SNL Financial

All financial data is for the twelve months ended March 31, 2016

Texas Ratio Report · Bank of Pine Hill Pine Hill 5.9 12.87 0 13.08 24,488 -1.8% 21,279 0.0% -0.26...

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Transcript of Texas Ratio Report · Bank of Pine Hill Pine Hill 5.9 12.87 0 13.08 24,488 -1.8% 21,279 0.0% -0.26...