Robert Lee State Bank
Robert Lee, Texas · FDIC Cert #15442
Robert Lee State Bank is an FDIC-insured bank (Certificate #15442) with $45M in total assets and $41M in total deposits as of the Q2 2024 Call Report. Headquartered in Robert Lee, Texas, the bank maintains a Tier 1 capital ratio of 0.00% (Critically Undercapitalized) and a nonperforming loan ratio of 1.43%. BankHealthData assigns a composite Health Grade of C (51/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Robert Lee State Bank (FDIC cert 15442) is a community bank — $45M in total assets, $41M in deposits, serving the Robert Lee, Texas area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Tier 1 capital ratio is not disclosed in the most recent Call Report — unusual but possible for new institutions or those filing under specific regulatory exemptions. Asset quality is normal: non-performing loan ratio of 1.43% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is very high: 63.6% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is thin: ROA of 0.77% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is improving: the bank's composite score is up materially over the most recent quarters in the dataset. Improving trends usually reflect either capital strengthening, asset-quality recovery, or sustained profitability gains. Robert Lee State Bank carries a composite BankHealth grade of C (51/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Robert Lee State Bank
- Total Assets
- $45M
- Total Deposits
- $41M
- Tier 1 Capital Ratio
- 0.00%
- Capital Status
- Critically Undercapitalized
- Nonperforming Loans
- 1.43%
- Liquidity Ratio
- 63.60%
- Return on Assets
- 0.77%
- Headquarters
- Robert Lee, Texas
- FDIC Certificate
- #15442
- Health Grade
- C (51/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Robert Lee State Bank holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject Robert Lee State Bank to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
Robert Lee State Bank shows average financial health. While not alarming, its Health Score of 51/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Robert Lee State Bank Compares
Robert Lee State Bank’s Health Score of 51 is 23 points below the Texas state average of 74 across 321 FDIC-insured banks. Its 0.00% Tier 1 capital ratio is 14.0 points below the US banking industry average near 14%. The 1.43% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.77% is below the national ROA benchmark of ~1.1%. Among 492 similarly-sized banks, the average Health Score is 69, meaning this bank ranks below its size cohort. Site-wide, Robert Lee State Bank is 19 points below the portfolio average of 70.
Frequently Asked Questions
Robert Lee State Bank has a Bank Health Score of C (51/100), placing it in average financial health. It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Robert Lee State Bank's Tier 1 capital ratio of 0.00% and nonperforming loan ratio of 1.43% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Robert Lee State Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #15442). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Robert Lee State Bank holds $45M in total assets and $41M in total deposits. It is headquartered in Robert Lee, Texas (FDIC Certificate #15442).
Robert Lee State Bank has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.43%, and the return on assets is 0.77%.
Yes. Robert Lee State Bank is FDIC-insured (Certificate #15442). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Robert Lee State Bank's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.