STATE NATIONAL BANK
GROOM, TEXAS · FDIC Cert #3237
Capital & Safety Analysis
According to FDIC financial data, STATE NATIONAL BANK holds a Tier 1 capital ratio of 27.15%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning STATE NATIONAL BANK has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
STATE NATIONAL BANK shows strong financial health indicators. With $44M in assets and a Health Score of 77/100, 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.
Frequently Asked Questions
STATE NATIONAL BANK has a Bank Health Score of B (77/100). It holds a Tier 1 capital ratio of 27.15%, 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.
STATE NATIONAL BANK holds $44M in total assets and $35M in total deposits. It is located in GROOM, TEXAS (FDIC Certificate #3237).
STATE NATIONAL BANK has a Tier 1 capital ratio of 27.15%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.56%, and the return on assets is -1.79%.
Yes. STATE NATIONAL BANK is FDIC-insured (Certificate #3237). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.