First Stb of Ben Wheeler Tx Safety Rating
First Stb of Ben Wheeler Tx's safety rating is grade A, a Bank Health Score of 94/100 built from FDIC call report data. That ranks #512 out of 3,960 FDIC-insured banks nationally (top 13%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); First Stb of Ben Wheeler Tx's best component is loan quality (100/100) and its weakest is profitability (62/100).
This page answers a common banking-safety question: First Stb of Ben Wheeler Tx Safety Rating. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
First Stb of Ben Wheeler Tx Safety Rating Breakdown
- Overall rating
- Grade A (94/100)
- National rank
- #512 of 3,960
- Tier 1 capital (35%)
- 95/100
- Loan quality (30%)
- 100/100
- Liquidity (25%)
- 100/100
- Profitability (10%)
- 62/100
Source: FDIC Call Report data. The BankHealth safety rating is an editorial composite, not an official regulatory rating.
A grade A rating places First Stb of Ben Wheeler Tx among the stronger FDIC-insured banks on the composite — strong capital with manageable risk on the other factors. Nationally it ranks in roughly the top 13% of the 3,960 banks we score.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 14.36% | 95/100 |
| Nonperforming Loan Ratio | 0.00% | 100/100 |
| Liquidity Ratio | 56.21% | 100/100 |
| Return on Assets | 1.05% | 62/100 |
| Total Assets | $0.2B | |
How does First Stb of Ben Wheeler Tx compare?
With a Bank Health Score of 94/100, First Stb of Ben Wheeler Tx sits 14.0 points above the national average of 80/100 for FDIC-insured banks. Within Texas, where 321 FDIC-insured banks are headquartered, First Stb of Ben Wheeler Tx ranks above the state average of 85/100 (Grade A).
The bank's Tier 1 capital ratio of 14.36% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold. Its nonperforming loan ratio of 0.00% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, First Stb of Ben Wheeler Tx's Bank Health Score improved by 2.0 points to 94/100. Tier 1 capital strengthened by 0.82 percentage points to 14.36%.
Frequently Asked Questions
First Stb of Ben Wheeler Tx's safety rating is grade A, a Bank Health Score of 94/100 built from FDIC call report data. That ranks #512 out of 3,960 FDIC-insured banks nationally (top 13%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); First Stb of Ben Wheeler Tx's best component is loan quality (100/100) and its weakest is profitability (62/100).
The BankHealth safety rating converts four FDIC call report metrics into a single 0-100 score and an A-F grade. It weights Tier 1 capital ratio (35%), the inverted nonperforming-loan ratio (30%), liquidity ratio (25%), and return on assets (10%). For First Stb of Ben Wheeler Tx: Tier 1 capital scores 95/100, loan quality 100/100, liquidity 100/100, and profitability 62/100 — combining to 94/100 (grade A).
First Stb of Ben Wheeler Tx's Bank Health Score of 94/100 is 9.0 points above the Texas state average of 85/100. 321 FDIC-insured banks are headquartered in Texas.
Yes. First Stb of Ben Wheeler Tx (FDIC certificate #11904) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about First Stb of Ben Wheeler Tx
First Stb of Ben Wheeler Tx's safety rating is grade A, a Bank Health Score of 94/100 built from FDIC call report data. That ranks #512 out of 3,960 FDIC-insured banks nationally (top 13%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); First Stb of Ben Wheeler Tx's best component is loan quality (100/100) and its weakest is profitability (62/100).