Robert Lee State Bank
Robert Lee, Texas · FDIC Cert #15442
This is the FDIC profile for Robert Lee State Bank, an FDIC-insured bank (Certificate #15442) with $45M in total assets and $41M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Robert Lee, Texas, the bank maintains a Tier 1 capital ratio of 12.66% (Well-Capitalized) and a nonperforming loan ratio of 1.43%. BankHealthData assigns a composite Health Grade of A (80/100) based on quarterly FDIC filings. 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.
Capital position is strong: Tier 1 capital ratio of 12.66% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. 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 A (80/100) 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
- 12.66%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.43%
- Liquidity Ratio
- 63.60%
- Return on Assets
- 0.77%
- Headquarters
- Robert Lee, Texas
- FDIC Certificate
- #15442
- Health Grade
- A (80/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Robert Lee State Bank files quarterly Call Reports with the FDIC under Certificate #15442. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Robert Lee State Bank holds a Tier 1 capital ratio of 12.66%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Robert Lee State Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Robert Lee State Bank shows strong financial health indicators. With $45M in assets and a Health Score of 80/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
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 80 is 5 points below the Texas state average of 85 across 321 FDIC-insured banks. Its 12.66% Tier 1 capital ratio is 1.3 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 83, meaning this bank ranks below its size cohort.
Frequently Asked Questions
Robert Lee State Bank has a Bank Health Score of A (80/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 12.66%, which is above 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 12.66% and nonperforming loan ratio of 1.43% indicate a low 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's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #15442 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Robert Lee State Bank has a Tier 1 capital ratio of 12.66%, classifying it as "Well-Capitalized." 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 A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. 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 indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.